vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 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: AZ

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I don't use autopay for my AMEX bills, but i generally schedule them well ahead of time. I am rarely ever late ( maybe once every couple of years. ) I appear to have missed scheduling an XX/XX/2024 payment and was notified of it by email on XX/XX/XXXX. I scheduled a wire and paid off the outstanding invoice as well as the subsequent invoice due XX/XX/XXXX. They received this payment on XX/XX/XXXX, 8 days after my XXXX payment of {$23000.00} was due. 

I was stunned to see in my account a {$940.00} interest charge on XX/XX/XXXX, only 5 days after the invoice was due. 

I called up and spoke to array of customer service people, then managers, and what they told me was XXXX ) There was 'nothing they could do in the system ' even though they said they would fix it if they could as I've been an active cardholder for 34 years and XXXX ) The basis for the excessive charge was that once the payment was considered late, as I was listed in a 'payment over time ' option they could start charging me interest from the beginning of the credit card statement month instead of from the day I was overdue on paying it. They therefore went back to XXXX to start charging interest. 

I said this was outrageous, and pointed out there would be zero interest if I had paid on XX/XX/XXXX so therefore they didn't somehow get to go back and charge me interest from before that occurred. I also noted that I had no idea how I had been entered into 'payment over time ' option and that at no point was it adequately explained to me that in this program any minor lateness could be treated with essentially excessive and retroactive interest. I asked if i was NOT enlisted in this program how much I would be charged for being late, and was told 'they did not have the answer to that question ' but seemed to agree it would only be a small late fee and/or a few days interest. 

In any event I asked them to remove the charge, or otherwise fairly compensate me for it, and they refused. I told them to turn off 'payment over time ' for my account and applied for a new XXXX card to replace my Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 to any 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 2024-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: LA

Complaint narrative:
This company have obtained my personal information from a company without my consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The XXXX  XXXX XXXX, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records. U.S. Code 1109 - Liability for breach of fiduciary duty Company only sold debt to collect on behalf of another company but have Failed to send validation notice and inform consumer about notices of opting out of reporting, only sent enforceable contract to attempt to collect. Statement of disclosure does not provide notices. XXXX XXXX XXXX are not listed on the XXXX  XXXX of XXXX offical website business entity filings to collect a debt in the state of 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 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to lodge a formal complaint against American Express in relation to a matter concerning my account, initiated approximately between XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Specifically, I requested a XXXX XXXX of said account and subsequently received a communication containing a list of transactions associated with the account. Regrettably, despite statutory mandates outlined within the Fair Debt Collection Practices Act ( 15 USC 1601 - 1693 ), I did not receive the complete array of disclosures, service agreements, and signed instruments pertinent to the purported debt, nor was a signed copy of the promissory note provided. 

I have diligently pursued resolution of this matter through direct communication with representatives of American Express, including engagements with their collection department at XXXX XXXX XXXX. However, notwithstanding these efforts, I have been informed that the promissory note remains unattainable. It is imperative to note that pursuant to pertinent legal statutes, particularly the XXXX of XXXX XXXX and Negotiable Instrument Act, the conversion of the promissory note into a negotiable instrument would signify satisfaction of the alleged obligation. 

Furthermore, a review of my credit report reveals that the purported debt has been charged off. In light of this, I am compelled to inquire as to the absence of any documentation, specifically a copy of the XXXX form, indicating the discharge of indebtedness filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The actions, or lack thereof, undertaken by American Express have resulted in considerable uncertainty and distress. It is my firm belief that such conduct may contravene provisions established within various consumer protection statutes, warranting regulatory scrutiny and intervention. 

In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau undertake a thorough investigation into the practices of American Express with regard to this matter. Additionally, I seek redress commensurate with any identified breaches of consumer protection statutes, as well as clarification and resolution of the outstanding issues surrounding my account. 
Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have been a customer with TD Bank for sometime and keep a relatively sizeable amount of money in my account. On XX/XX/24 I applied via the app for a personal loan and was immediately denied. The reason given was because they could not verify my identity. I called the customer service line and was told I needed to go into a branch and fill out a form and present my ID. I went into my local branch ( XXXX, NJ ) and the representative was unsure of the form and called the XXXX #. I was given the phone and spoke to a different rep who told me the issue was that personal information from XXXX report may not have been matching the info on my application and to call XXXX and go over my personal info. I did that, about a week later I went into a branch to proceed to fill out the same form I was told to fill out before. The rep there was again confused and needed to call the XXXX # to confirm what was needed. I completed the form, the rep document my identification, and told me to wait a few days and check to ensure the form was processed and I should be able to go back on the app and re-apply. I applied today and received the same denial and contacted the customer service line and received the same answer " something on my XXXX report is not matching '' I explained that I spoke with XXXX and cleared any discrepancies per TD 's suggestion and this result is still the same. The rep was pleasant but could not resolve my issue as I have now done EVERYTHING TD has requested. At this point I am getting a run around from an institution I hold several products with. Additionally I applied for this same loan in XXXX and was approved however the application was canceled as I did not upload my documents in time due to being hospitalized for an illness. Nothing from the XXXX report changed from XXXX to XXXX so how is it now that I went from being approved to not being able to verify my identity?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have repeatedly requested a full payment history broken down by interest and principal and have yet to receive a response weeks later. Newrez is the new servicer that took over for caliber home loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Subject : Complaint Regarding Flagstar Bank Account XXXX Dear Consumer Financial Protection Bureau, I am XXXX XXXX and my account number is XXXX. I am writing to file a formal complaint against Flagstar Bank for unjustly locking my bank account and subsequently denying my requests to transfer funds or close my account. This has not only caused significant inconvenience but also financial hardship, as I am unable to access my own money. 

I have been a customer with Flagstar Bank since XXXX XXXX, and my account number is XXXX. Upon contacting customer service, I was informed that my account was locked for [ mention if they gave any reasons ], a reason which I find unjustified and was not substantiated with evidence or detailed explanation. 

Despite multiple attempts to resolve this issue through customer service and branch visits, I have received no clear resolution or timeline when access to my funds will be reinstated. This has left me without the means to manage my personal finances, meet my financial obligations, and has caused me undue stress and anxiety. 

According to the consumer rights, I believe that the action taken by Flagstar Bank is unfair and infringes on my rights as a consumer. Therefore, I request the CFPB 's intervention to : Investigate the practices of Flagstar Bank concerning the locking of customer accounts without proper notice or justification. 
Facilitate the unlocking of my account and allow me to either withdraw my funds ( mail me a check ) and close my account without further delay. 
I trust that the CFPB will take my complaint seriously and look forward to a resolution that will restore my access to my funds and uphold my rights as a consumer. 

Thank you for your attention to this urgent matter. I am willing to provide any further information needed and can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
On XX/XX/year> company I.C. System, Inc for the amount of {$330.00} put inaccurate information on my credit report.

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 2024-04-25 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, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX  Account number : XXXX you have this account as closed with a balance of {$8900.00} but this account is fully paid-off and balance on it should be {$00.00} I have attached sceenshot of account full payment information below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

15 U.S.C 1681 section 602 A states i have 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 explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

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

15 U.S.C 1681 section 602 A states i have 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

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

15 U.S.C 1681 section 602 A states i have 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 explanation
Consumer complaint received 2024-04-25 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: CA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: PA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXXXXXX XXXX XXXXXXXX Account # 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 2024-04-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXXXXXX XXXX XXXXXXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: PA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXXXXXX Account # 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