vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was charge double overdraft for sometime twice a month this situation went on until I switch to another banking.

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 2024-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
On XX/XX/year> credits resource management. Edit a collections account for the amount of XXXX XXXX XXXX XXXX XXXX dollars to my credit report period I have never had an account with this company..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XXXX XXXX  XXXX XXXX XXXX, midland credit management open up a collections for the amount of XXXX XXXX XXXX XXXX XXXX XXXX dollars period I have never opened an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management last reported on my credit report XX/XX/year>. For the amount of {$600.00} I've searched for the address and phone number for the company, which is unavailable on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filled out a credit application for my business for a vehicle through enterprise. While asking them what the process was and what they needed the salesman explained that they have a unique situation with the lenders. He stated that because of the industry size they have enterprise pulls the credit profile and sends it to the banks. He said its beneficial to businesses owners since it would only be 1 pull of the credit and the bank they use get the credit report from enterprise so I will not have multiple inquiries ran on my report. 

Despite that promise, and the only reason I allow my credit to be ran, the banks without my authorization or consent pulled my credit anyway. This resulted in not just 1 inquiry but many. All these inquiries were dont in a fraudulent matter without my knowing

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 2024-02-25 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2023, I made a purchase of a White Gold Solid Figaro Chain Necklace from XXXX XXXX online website in the amount of {$2600.00} along with a separate order. The order number for this chain was # XXXX. What I received did not match what I ordered for # XXXX, was of extremely low quality and weight. I was forced to return it. 
I i was instructed by customer service on how to return my orders which i followed. On XX/XX/2023, I received a message confirming my returns had been received and that one was refunded but order # XXXX had not been processed. A long-drawn-out process began where reeds refused to refund this order and Discover claims that it is out of their hands, that they are completely powerless to assist me and that I have to continue to work with the merchant who has no intention to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
To whom it may concern, I am writing to formally dispute an inaccurate, and unverifiable account on my consumer credit report being challenged : National Credit Systems INC - Account Number : XXXX. 
On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I mailed successive disputes regarding the accuracy of the aforementioned account, National Credit Systems INC - Account Number : XXXX. Pursuant to the Fair Credit Reporting Act and 15 U.S.C. 1681, the data furnisher, National Credit Systems INC, received these disputes, and failed to reply each time and send requested documentation. Both statutes mandate that the data furnisher investigate and respond within thirty ( 30 ) days of each notice. 
Unfortunately, despite the receipt of each dispute and the accompanying relevant documentation sent via the United States Postal Service, National Credit Systems INC has repeatedly failed to adhere to its legal obligations under FCRA and U.S.C. 15 1681 by neglecting to respond within the specified timeframes. This consistent failure to respond constitutes a serious violation of my rights as a consumer. National Credit Systems INC has consistently failed to respond to each dispute and neglected to provide the requested documentation. In documented violations of 12 CFR 1006.34, 12 CFR 1006.30, 12 CFR 1006.34 ( b ) ( 2 ), ( c ) ( 2 ) and the FCRA. This list is not exhaustive. Under the FCRA and 15 U.S.C. 1681, both of which govern consumer credit reporting, data furnishers like National Credit Systems INC are obligated to investigate and respond to disputes within thirty ( 30 ) days of receiving notice. Each of these disputes was documented with signatures upon delivery, including those of representatives XXXX XXXX and XXXX XXXX. Despite the acknowledged receipt of these disputes, National Credit Systems INC has failed to respond or take any corrective action. 
Attached are copies of all correspondence, including the dispute letters and proof of delivery via the United States Postal Service, reaffirming the failure of National Credit Systems INC to fulfill its legal obligations under the FCRA. 
I am demanding prompt deletion of this inaccurate and unverifiable account due to the repeated failure of National Credit Systems INC of failure to adhere to conduct an investigation and send documentation as required under the FCRA and proper CDIA protocols. National Credit Systems INC, has failed to conduct an investigation into the disputed account within thirty ( 30 ) days as evidenced. THE DISPUTED INFORMATION MUST BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to you in accordance with the provisions outlined in the Consumer Law, specifically 12 CFR 1006.34 ( b ), to request your intervention in a matter concerning my credit account. 

I have recently encountered issues with Capital One Auto Finance and XXXX that involve [ describe the issue briefly, e.g., " unfair debt collection practices, '' " incorrect reporting of information, '' etc. ]. Despite my attempts to resolve this matter directly with the creditors and credit bureau, the issues persist, and I believe they constitute violations of my rights under th

e Consumer Law. As per the regulations outlined in 12 CFR 1006.34 ( b ), I hereby request that you investigate these
matters and take appropriate action to ensure compliance with consumer protection laws. Additionally, I request that you provide me with updates on the status of your investigation and any actions taken. 

Furthermore, pursuant to 12 CFR 1006.34 ( b ), I demand that Capital One Auto Finance and XXXX cease and desist from [ describe the specific actions or practices you want them to stop, e.g., " contacting me by phone, '' " reporting inaccurate information to credit bureaus, '' etc. ] XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX, under the domain name XXXX  which involved me making deposits for a total amount of XXXX USD from my Capital One account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am solely making this complaint because Of a multitude of complaints that I've been having with Trans Union I have called numerous times sent numerous letters been on voice recordings telling them since XXXX I've been sending my letter out My CFPB report and things of that nature Any FTC report since then nothing has been done Inquiries had still been coming onto my credit report and as it states in the black and white at the header of my credit report ID security alert fraudulent applications may be submitted and my name or my identity may have been used without my consent To obtain goods or services do not extend credit without first verifying the identity of the applicant I can be reached at XXXX This security alert will be maintained for 1 year beginning XXXX XXXX XXXX I have never had a call or email from Trans Union and I have the proof my phone was stolen one time and I made a report I sent it to them they did not get it not saying it's their fault but I sent it twice This is the only way that I know to get through to them and let them know that I'm serious What I would like from them is to take the inquiries off immediately for when the beginning date was back in XX/XX/23. I have been calling numerous times every week I don't know if somebody's going to my mailbox I just know I'm tired of it and for them not to even acknowledge whats in black and white they should call me or let me know before anybody or even if they had a thought to second guess it twas me i was supposed Notify Call he says it in black and white to call that number They never did that and because of this they have violating my consumer rights 12 CFR 1006. 34 ( B ) ( 5 ) Stating and I quote connection agency has not provided validation information under 12 CFR 10634 B5 but yet they placed a collection slash inquiry on my consumer report In collection agency Has no authority to furnish any account to a consumer report agency without providing any and all disclosures Require by law And they are in clear violation I would like all of my inquiries off from XXXX XXXX XXXX  because I'm on the planet Put microphone off 23 immediately And if I don't hear back Inadequate time I'm protecting it the small claims court and I would want it {$1000.00} for each violation Thank you very much Have a great day

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 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
I discovered an account had been opened in my name when I received a debit card from Chime in the mail. I contacted the customer service phone number ( the only contact provided on Chime 's website ) and was told on XX/XX/2024 that the account had been closed. I was also told I would receive a confirmation of the closure the the email address I provided at that time. I have not received any confirmation from Chime, and have found on numerous online reviews that it is common practice from Chime to state that they have closed a fraudulent account when they in fact take no action after having been informed of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX I checked my credit card statement through the Navy Federal Credit Union App and noticed 6 pending charges from XXXX I have made purchases from this website before and have an account through their membership program however I had not made any recent purchases with my credit card at that time. I immediately called my banks fraud department and filed a claim. The agent noticed the multiple charges all within the same day and proceeded with my claim. He then issued me a new credit card. On XX/XX/XXXX I received a message stating there was no fraudulent activity and that the charges were to be placed back onto my account. Confused, I called the member services line to file a dispute. I submitted my first appeal XX/XX/XXXX and was sent a response XX/XX/XXXX stating once again that there was no fraudulent activity. When I had requested the reason for the denial, I was told that it was classified. The agent on the phone explained that they are not given this information. Im providing ample proof of why these charges are fraudulent, yet Navy Federal can not give me a reason or explain how there was no fraudulent activity. On XX/XX/XXXX, I submitted a second appeal providing even more information as to how these charges were not made by myself and how I believe my card information was taken from the XXXX website. I received no response until I had to send a follow up message on XX/XX/XXXX requesting an update. The next day XX/XX/XXXX I received the same automated response stating no fraud has occurred. Ive called member services many times and no one can give me an answer as to why they continue to deny my claim. Ive gone in person to their branches to speak to someone so I can get an answer and they are not able to give me one. There is {$320.00} worth of charges that Navy Federal refuses to rectify. Ive tried reaching out to XXXX and they instructed me to file a dispute with my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Hello, this is not my debt nor have I gave them my info. I havent received any written communication from this company and they are in violation of my privacy, harassment via phone, fraud and illegal use of my data they paid for. This is a 15 USC 1692d violation along with SEC, FCRA. They have called my phone however over 100 times in 2 weeks. More than 46 times In 7 days.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: AL

Complaint narrative:
I have a family of XXXX. I have {$410.00} taken out of my paycheck every 2 weeks for health insurance. That's {$820.00} a month and since we get paid 3 times this month, it will be {$1200.00}. I do not receive government assistance, so I pay everything. I've made payment arrangements for my other bills and I have to buy for my family. I can not afford to make a full payment. Do you guys even know what is going on since your call center is in XXXX? 
I reached out to FLAGSHIP CREDIT ACCEPTANCE LLC for a deferment due to financial hardship. I was laid off as of XX/XX/XXXX. I called in to customer service at XXXX XXXX  XXXX requesting a deferment for my XX/XX/XXXX payment on XX/XX/XXXX. I explained to FLAGSHIP I did not have a job yet and would like to have a deferment. The next day I had collections from Flagship calling me for payment. I explained to the gentleman that I applied for a deferment and check his notes. Flagship collections stated nothing in notes, so he took my information to submit my request for deferment. I was denied on XX/XX/XXXX ( supposedly ) and email was sent to email address listed on my account. Now, I tried opening document to see this denial letter. It takes me to unsecured website and ask me to login with year of vehicle/zip code. I enter the information and receive an error message : login failed please try again. I inputted my physical and mailing zip code, no copy of letter. I spoke with their customer service 3 other times between XX/XX/XXXX thru XXXX, XXXX. I was told my deferment was denied because I did not have a job. I advised them that I was offered/accepted a job and was due to start XX/XX/XXXX, sooner if my background check comes back quickly. I was denied again. I called back XX/XX/XXXX, just started my job early due to background coming quickly and would like to resubmit deferment. Flagship wouldn't let me saying it was already denied 3 other times. So, I stated I did not understand. I was first denied because I did not have a job and needed a job for approval. Then, when I called back to inform then of my job offer/ acceptance ; I was still denied. I told them that I will not be able to make a payment until XX/XX/XXXX. I'm really frustrated with them, I just wanted a month breather to give me time to catch up. I've made arrangements for my other bills. I record my conversations with them.

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 2024-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portnoff Law Associates, Ltd.
State: PA

Complaint narrative:
I received a letter from Portnoff on XX/XX/2023 stating Im being sued from unpaided debt that Im just hearing about And being notified. I applied to XXXX in XXXX and was approved XXXX XXXX the amount XXXX to pay towards sewer/ water utilities. Theyre stating they have not received, I spoke to an agent at XXXX and they said it was submitted to them on XX/XX/XXXX for {$5100.00}. 

Also, I have been paying my water bill in the account number XXXX on XX/XX/XXXX for {$400.00} and XX/XX/XXXX for {$200.00} and just finding out that this was going toward my Portnoff and theyre claiming they have not received. So where is my money at? I called the water company they state Portnoff has it. I called Portnoff they claim they never received. 

BELOW IS The addresss for the complaints to be going to *****First company is Portnoff law associates XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXthe second company ADDRESS is city of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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