vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
capital one claims to have platinum offers which they will not reimburse in a timely manner for consumers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-11 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:
As per the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a commitment to respecting the consumer 's right to privacy. XXXX, XXXX and Experian function as consumer reporting agencies, and I, as the consumer, possess the right to ensure that my private information remains undisclosed, as supported by 15 USC 6801. This statute declares the Congress 's policy that financial institutions have an ongoing obligation to safeguard the privacy and confidentiality of their customers ' nonpublic personal information.

The entity providing information to credit agencies, considered a financial institution under this title, is governed by 15 USC 1681, section 604a ( 2 ). This section specifies that consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the respective consumer. To emphasize, the financial institution and the consumer reporting agencies, XXXX, XXXX and Experian, lack my consent and written authorization to disclose this information. 

Referencing 15 USC 6802 ( b ) ( c ), it is stated that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. Unfortunately, the entity providing information to credit agencies failed to inform me of my right to exercise this option. Furthermore these institutions have been given notice of me exercising said option of nondisclosure.

Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. The adverse item being reported without my consent violates this law, as does 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), which prohibits furnishing inaccurate information to consumer reporting agencies.

Moreover, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specific purposes. XXXX, XXXX  and Experian appear to be falling short in maintaining these reasonable procedures as these accounts have been disputed with each of them multiple times.

Also, 15 U.S. Code 1681c states that Except as authorized under subsection ( b ), 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.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
**This is not a duplicate complaint** This is a new complaint with the same company** I have an account with a community bank through Alphaeon Credit. The account is set up with autopay to avoid worrying about the monthly payments. Yesterday, I noticed the autopay hadn't been charged for a long time and decided to log into the Alphaeon account to make sure the autopay was still set up. The autopay is still set up, and everything looks fine ; I noticed a balance of {$280.00}, so I decided to program the payment manually. Later that day, XX/XX/2024, I received a notification from my credit report stating that the community bank reported late payments on my credit. Even though they have a bank account set up as autopay, they never contacted me via phone, mail, or email to inform me if it is any issues relating to the autopayment. Now, my credit report shows one late payment from a community bank, which affects me as a consumer for my future purchases. I have tried to call multiple times since yesterday and chat with customer service, but there is no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that reported in my credit report. You responded by saying that Trans Union has completed its investigation, including contacting the furnisher of the information, where applicable. " On XX/XX/2023 ( please listen to recording w/your company ) I was told by two of your representatives in Fraud Department when asked why I have not received anything in writing showing validation of documentation with signature and date signed both reps who clearly stated to me that Trans Union would only use computer system to verify information and they DO NOT speak with creditor or collection company to validate anything in writing. So, I find it funny that you claim to verify all the accounts I disputed listed below when again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 1. XXXX XXXX  ( Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent account be deleted and blocked from my credit file. 2. BANKRUPTCY ( XXXX could not verify so how is it you verified ) XXXX. XXXX XXXX. XXXX Your company is in violation of 15 U.S.C. 1681. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documentation. I am requesting validation from you pursuant to the Fair Debt Collection Practices FCRA 611 ( 15 U.S.C. 1681I ) ( 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 I want verification on all accounts listed showing documentation you claim to have. I want a response within 15 days of receipt of this dispute. I expected and updated report to be sent 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 2024-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: NM

Complaint narrative:
My Mortgage Servicer Flagstar Bank gave me a Forebearance plan during XXXX and when I called to resume my payments they said I had to do a Loss Mitigation application I did. In XXXX my first trial plan of {$1500.00} up until XXXX but when I went to make the payment it was closed so I didnt make it until the XXXX because the XXXX  got in the way. I asked the Loss Mitigation Rep if it was going to affect me she said no. Then I made XXXX and XXXX payment in XXXX they sent the payments back and that I was in active Foreclosure I did another Application and I was denied they said I didnt qualify for help. I feel discriminated for my race and because I am a women.The State of New Mexico qualify me for {$30000.00} but they want {$47000.00} they want me to pay it but if I had the money I wouldnt be asking for help. Now they have their lawyers wanting me to file papers and they denied the state to pay the {$30000.00}. I am frustrated and confused and scared. I dont want to lose my home.I just need them to work with 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 2024-01-11 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: DE

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: MN

Complaint narrative:
Selene Finance Mortgage XXXX statement shows an unapplied payment balance with the stipulation written on their statement saying that if the total mortgage payment is paid in full that any unapplied payments will apply to the mortgage. This overpayment was made in XXXX and it is now XXXX with no application of the unapplied funds. This should have been applied directly to the principal amount in XXXX, according to the written terms statement of unapplied funds. The amount of interest accumulated on the loan because of the unapplied payment is the huge issue with it not being applied like it was supposed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I contacted Synchrony Payment Security at XXXX regarding my benefit request on XX/XX/. I inquired about the current benefit request : XXXX and asked how many payments were remaining. I was told that a total of ( 6 ) payments would be made and I had ( 2 ) payments remaining that would go towards my Paypal account balance. I was instructed to send in additional information with my form in order to receive further benefits. I was asked if I would prefer the form via mail or email. I informed her that I would prefer email so that I can take care of the matter at the time. I thanked the rep and sent an email inquiry regarding " the additional information '' on XX/XX/ at XXXX PM. I noticed the form did not include what was required to send in to further benefits. I have yet to receive an email reply. I called back on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told something completely different. I was told that I was only able to receive a total of ( 6 ) payments up to {$10000.00} as the result of a reduction in work hours. I informed the rep that was the first I heard of that and I was told something completely different on XX/XX/. As of XXXX XXXX XXXX, a benefit request payment was not made to my Paypal account. I incurred a late fee as the result of not paying. I did not remit a payment because I was told I had ( 2 ) more payments that would be applied to my account. It should be noted that this is not the first time I had an issue with the Payment Security benefit process. It is a difficult process and the advertising regarding the add on is very misleading. I had a reduction in work hours as the result of being a part of a class action lawsuit against my employer and I am already experiencing stress in that regard. This process is adding to it. I did not pay to misled and have my account fall further behind.

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 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite my repeated attempts to dispute and rectify the situation, the fraudulent accounts remain, and I have not received any conclusive information from your investigations. It has been well over 60 days since the commencement of the investigation, and to my dismay, I have not received any updates or resolution regarding these fraudulent entries. 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!! 
Furthermore, I insist that the credit bureau refrains from reporting these fraudulent accounts until they can be accurately verified. It is imperative that inaccurate and potentially damaging information is not disseminated, especially when the bureau is unable to substantiate the validity of the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date : XX/XX/2023 Amount : {$6000.00} Action : Multiple attempts to contact Chase Bank. 
Correct Account : XXXX Wrong Account : XXXX Last XXXX, my father sent money from XXXX to my account. Unfortunately, there was a single incorrect digit in the account number, while the routing number and legal name were accurate. Consequently, the money was mistakenly deposited into the wrong account. 

Despite multiple attempts by the originating bank to recall the funds and our exhaustive efforts to communicate with Chase Bank through various channels, we've reached a dead end. 

The Bank Manager in XXXX, where the transfer originated, has advised pursuing legal action in the United States against both the bank and the individual who wrongfully received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NJ

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to you in regards to the collection account that is appearing on my credit report. I have no knowledge of this account and have sent letters requesting validation to the medical collection agency, but they have failed to provide any proof. If they can not validate it, how can you report it?! XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/2023 Balance : {$50.00}. Since the collection agency can not provide any information about the debt, perhaps you can tell me who the original creditor is, what service they performed, where they are located, and the amount of the balance. Since the collection agency can not confirm it, I expect that you can not either, and thus, it must be removed from my credit report. If you fail to do so, I will be forced to involve the Federal Trade Commission.

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 2024-01-11 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: CA

Complaint narrative:
XXXX XXXX assigned XXXX XXXX over account # XXXX in the amount of {$1100.00} was terminated and per CRA policy must delete their reported collection in avoiding their demonstration of two collections on the same reported debts should any new debt collector ( ie : XXXX XXXX XXXX XXXX XXXX ) obtain collection authority and report to the CRA. Therefore, I dispute the continued reporting of the terminated, unpaid collection. 

Pursuant to 18 USC 8, I owe no debt. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are violating my consumer right to privacy pursuant to 15 USC 1681 b 2. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have no permission to report anything using my personal information pursuant to 15 USC 1681 4.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
Failure to provide debt validation or contract agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX XXXX in XX/XX/2023 for {$3400.00} dollars from Diamonds international. It was purchased with a comenity bank credit card. Two days after buying it I noticed 2 Diamonds missing, so I contacted Diamonds International for a refund back to my card for the ring to be returned to them. Which after many months of going back and forth with them they refused. So I disputed the charges with comenity bank and ask them to do a charge back to Diamonds International for defective merchandise that was sold to me and comenity bank refused. They said I signed an agreement that said Diamonds International would give me store credit if I returned the ring. I have tried contacting Diamonds International to return the ring for store credit and I'm being ignored again. This has been going on for almost a year and I've not wore the ring I'm paying {$3400.00} dollars for but one time and that was in XXXX XXXX  because I'm afraid more diamonds will fall out. I notified comenity bank once again for them to do a charge back and once again they refused. I'm being ignored by Diamonds International on how to return the ring so now I don't want to return it for store credit because I don't trust neither company. I may return the ring and never see any store credit and if I did receive store credit what kind of jewerly will I receive? More junk that they are trying to fraudently pawn off on a customer just to get their money. Diamonds International is a scam to begin with. There's multiple complaints on that company online. I just wish I would have seen them before I bought my ring. Comenity bank doesn't care about their customers either. I'm very dissatisfied with both places.

Company response to consumer: Closed with explanation