vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
LAW OFFICES MBA Balance {$1200.00} Open XXXX, XXXX. 
Balance updated XXXX XXXX, XXXX. ( XXXX ) LAW OFFICES MBAAccount info Account number Balance {$1200.00} XXXX Date opened XX/XX/XXXX ( XXXX XXXX ) XXXX account XXXX XXXX, XXXX. 

LAW OFFICES MBA Balance {$1200.00} Open XXXX XXXX Balance updated XXXX XXXX, XXXX. ( XXXX ) LAW OFFICES MBAXXXX Date opened {$2900.00} XX/XX/XXXX Account type Open account. 
Status updated XX/XX/XXXX ( XXXX XXXX ) LAW OFFICES MBA Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX This collection appears to me with different dates, it shows me different balances and they do not tell me what the collection refers to. I have NO relationship or document with the company that is charging me. 

This collection appears to me with different dates, it shows me different balances and they do not tell me what the collection refers to. I have NO relationship or document with the company that is charging me. I called the LAW OFFICES MBA offices, and there is nothing regarding those collections. They did not give me exact information, I need help to eliminate that from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I filed XXXX XXXX Bankruptcy in XX/XX/XXXX. Ally Financial was one of the creditors that was discharged in the bankruptcy. I have reached out to Ally Financial about this matter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It was discharged on XX/XX/XXXX every since then Ally Financial has been reporting illegal information to XXXX XXXX XXXX monthly stating that my account is in major delinquent as recent as XX/XX/XXXX there are continuously reporting negative updates to credit bureaus when these accounts are supposed to closed due to being discharged. They are still treating the account as if it is open to affect my credit. I have reached out to them as well as the accounts are not showing {$0.00} balance on XXXX account when it was discharge it is suppose to show this. This matter needs to be address with Ally Financial. Also I have reached out to credit bureau about this matter on XXXX and XXXX XXXX, XX/XX/XXXX. They are not following bankruptcy law and they are still affecting me as a consumer that has with through some challenges and is trying to put this behind 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 explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
The week of XX/XX/XXXX and XX/XX/XXXX I called repeatedly to try to handle my debt with midland credit management thru XXXX XXXX XXXX XXXX firm in XXXX on XXXX XXXX XXXX. They refused to show me the debt. The lady who answers the phone told me that she didnt have to show me the debt and I could see it out in XXXX XXXX XXXX court. I know thats not true so I asked to speak with a supervisor. I had to wait a week to speak with him and by that time they went ahead and filed it in the courts without showing me the proof and allowing me to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute the presence of a vehicle charge-off on my credit report, account number XXXX, which I believe is inaccurately reported by XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a notice from NCB Management Services regarding the debt associated with the above-mentioned account. Subsequently, I made a payment to NCB Management Services in the amount of {$1500.00} to settle the debt in full, as per our agreement. This payment was made on XX/XX/XXXX and cleared on XX/XX/XXXX Despite settling the debt with NCB Management Services, I recently discovered that XXXX XXXX XXXX has reported the account as a charge-off on my credit report. This inaccurate reporting is damaging my credit score and causing me financial harm.

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and creditors are required to report accurate and up-to-date information. As such, XXXX XXXX XXXX 's failure to update my credit report to reflect the paid status of the account constitutes a violation of the FCRA. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in unfair or deceptive practices, including misrepresenting the character, amount, or legal status of a debt. By failing to update my credit report after receiving payment, XXXX XXXX XXXX XXXX be in violation of the FDCPA. 

I am hereby requesting that XXXX XXXX XXXX promptly update my credit report to reflect the paid status of the account and remove the charge-off designation. Failure to do so within [ number of days ] days from the date of this letter will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 

Thank you for your prompt attention to this matter. I expect a timely resolution to this dispute. 

Sincerely, XXXX XXXX Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Acct # : XXXX XXXX XXXX : NCB XXXX XXXX XXXX XXXX. 
NCB File # : XXXX Balance : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2024, i looked at my report. I sent a letter to EQUIFAX on XX/XX/XXXX asking them to reinvestiagate these accounts : Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and here is my report XXXX XXXX XXXX XXXX they sent me their invetagtion and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am XXXX XXXX XXXX, and I wish to file a formal complaint against Capital One Bank for failing to honor a promised promotional bonus in association with my 360 Performance Savings account ( Account No. XXXX ). 
In accordance with the terms of a promotion offered at the time of account opening, I was to receive a {$1000.00} bonus for maintaining a minimum balance of {$100000.00} for 90 days. Despite fulfilling these conditions, the promised bonus has not been credited to my account. I have made numerous attempts to resolve this issue through both telephone inquiries and visits to the branch, during which representatives acknowledged my eligibility for the bonus. However, the issue remains unresolved. 

This situation raises serious concerns regarding Capital One 's adherence to their promotional commitments and customer service standards. I am requesting the CFPBs assistance to ensure that the promotional bonus is promptly credited to my account as initially promised. Please call me if anything is needed. 
I appreciate your attention to this matter and look forward to a resolution. 

Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: OH

Complaint narrative:
I have requested afterpay over and over to remove my banking information and to close my account. They keep sending me in circles about it. I would really like my banking information removed and my afterpay account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My XXXX business account was hacked, they inserted a new downstate NY address and had laptops sent there, we are upstate. PayPal paid the seller, we stopped payment from our bank to PayPal so we have a - {$3800.00} balance at PayPal. We did everything they asked us including a police report. Its been months fighting between XXXX and PayPal. XXXX says theres nothing they can do because I opened up the dispute with PayPal and its up to the financial institution but PayPal ruled against us and is demanding {$3800.00}. Now our account is closed and Im in PayPal collections. PayPal says I need to pay the balance and only then can I reopen the dispute online. Weve been doing business with XXXX and PayPal for XXXX years without a problem until this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
on XXXX, i sent letters requesting information to be deleted because it's not reporting 100 % accurate and complete by the FCRA law, per 15 USC 1681e ( b ) and the CRAs haven't deleted them from my credit report. also some outdated items as well.I attached a copy below for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
on XXXX, i sent letters requesting information to be deleted because it's not reporting 100 % accurate and complete by the FCRA law, per 15 USC 1681e ( b ) and the CRAs haven't deleted them from my credit report. also some outdated items as well.I attached a copy below for your reference.

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 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a credit on XX/XX/XXXX while in the process of purchasing XXXX XXXX tickets. Citi bank advertises a statement credit if you apply for their credit card during the check out process. I followed the link provided and applied for the credit card, was approved instantly and clicked on the link to access a temporary card number to utilize for the purchase. The link was a broken link and after many attempts, I was still unable to access the promised temporary link. The next morning XX/XX/XXXX, I spent approximately an hour and half being passed around to different departments within Citi bank only to be promised by each one I would be receiving a link within XXXX of the application that would allow to access my card information. That email/link never came. I called again first thing in the morning on XX/XX/XXXX to advise I had not received the link. The representative I spoke with advised there was nothing they could to do help me or resend said link. I requested to speak with a supervisor. I explained the situation and the information I had been provided the day before, only to be told that no such email or link is ever sent and he was unsure why I would have been given that information. He also then advised me that because I had done my application on a mobile device that that was the reason I could not access the link upon my application completion. This information/ warning is not provided to consumers and applicants before they proceed. It is a miss leading advertisement that does not provide proper warning before allowing you to proceed.

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 2024-04-20 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: NJ

Complaint narrative:
XXXX XXXX is reporting inaccuracies on my credit report for XXXX of XXXX. I filed a complaint and that was rectified. However, when filing the initial complaint there were no other discrepancy with any other month until the XXXX dispute was rectified. After this XXXX reported an inaccuracey for XX/XX/XXXX and XX/XX/XXXX. They have failed to fix this despite my constance calls and disputes. Although I have the payment history and XXXX can see this information they do not take responsibility for the inaccuracey.

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 2024-04-20 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: MO

Complaint narrative:
TransUnion is obligated by the FCRA to report accurate accounting. I have brought attention to all inquiries reported were fraudulent. TransUnion had 4 days by law to remove such items from my report. Fraud report was filed via FTC in regards to such consumer report. I am now requesting TransUnion to provide such documentation used to determine such inquiries were indeed authorized by such consumer, TransUnion has 15 days to provide me with the name of the agent spoken to, documentation used, application with consumer wet ink signature. Consumer is not requesting an e-Oscar report, if TransUnion does not have documentation to show these inquiries were in fact authorized by such consumer items shall be removed asap. TransUnion is liable under the SEC to follow certain rules and guidelines. TransUnion commission file number XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX will be filing form 211 treasury omb forms to audit consumer account due to the fact TransUnion are securitizing consumer data and still refuse to provide such consumer a copy of my CONSUMER FILE when requested and not the CONSUMER 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 non-monetary relief
Consumer complaint received 2024-04-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX account and XXXX XXXX  account is inaccurate please remove these account.

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 2024-04-20 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: TX

Complaint narrative:
There's no way for the # credit bureaus to verify late payments unless they have access to your bank account. By law the creditor can't give the bureaus access to your bank account. so how are these late payments being recorded lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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:
There's no way for the # credit bureaus to verify late payments unless they have access to your bank account. By law the creditor can't give the bureaus access to your bank account. so how are these late payments being recorded lawfully.

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 2024-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am writing to express my deep concern and frustration regarding a purported auto loan account with XXXX XXXX SOUTHEAST TOYOTA FINANC, XXXX with account number XXXX, allegedly opened in XX/XX/2015, with a balance of {$690.00}. Despite my repeated attempts to resolve this matter by reaching out to XXXX XXXX SOUTHEAST TOYOTA FINANC, I have not received any resolution or acknowledgment. It is essential to emphasize that this account is unverified and does not belong to me. I have never entered into an auto loan agreement with XXXX XXXX SOUTHEAST TOYOTA FINANC, nor have I ever owned a vehicle financed by them. 

Furthermore, I am deeply troubled by the apparent negligence of XXXX XXXX SOUTHEAST TOYOTA FINANC in handling my personal information. It has come to my attention that they may be recklessly exposing my account details, along with my personal information, by selling it to other collections agencies. This blatant disregard for privacy and security is alarming and unacceptable. I demand immediate action from XXXX XXXX SOUTHEAST TOYOTA FINANC to investigate this matter thoroughly, provide a comprehensive resolution, and cease any further dissemination of my personal information to third parties. Failure to address these concerns adequately will leave me with no choice but to pursue legal remedies to protect my rights and seek appropriate redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing the collection account with XXXX, linked to the original creditor XXXX XXXX ( I NEVER HAD A CAR FROM THEM ), account number XXXX, opened on XX/XX/2023, with a balance of {$5100.00}. It's deeply concerning that this agency has allegedly exposed my account information alongside personal details by selling it to other collections agencies. Additionally, I want to emphasize that this account is unverified and does not belong to me. Despite my efforts to resolve this issue by reaching out to XXXX XXXX, I have not received any resolution. I demand an immediate investigation into this matter and urge XXXX to cease any further dissemination of my personal information. I expect a prompt response and the removal of this erroneous information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Marcus by Goldman Sachs refuse to wire my money back after account closure through a three way verified account. 
The account number is XXXX The Date of transfer is XX/XX/2023 Now 4 month after the date I still havent got my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2024 around XXXX I deposited XXXX $ into my account at a chase ATM the atm took longer then necessary and gave me a receipt that stated to verify you deposit went through, please call ( chase customer service number ). I called and he told me the my deposit did not go through and I would have to call in the morning to file a claim. On XX/XX/2024 I called and filed a claim about the ATM not depositing my money. Not even a full 48hrs later after being told it could take 10 days im being told they will not be crediting my account because whoever checks the ATM bank side is saying the ATM had no outages. I saw it with my own eyes when the ATM reloaded that it stated it would not be accepting deposits of any kind. How was there no outages. On top of that the customer service rep I spoke with said that he would reopen the claim and see if they can find extra funds in that ATM. Im sorry but why wasnt checking the ATM for extra funds not part of my original claim why did they not even bother to check and just decided not to credit my account.

Company response to consumer: Closed with explanation