vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, and XXXX, XXXX I have attempted to make payments toward my student loans, however, each time the payment would go through they would reverse it. I was sent a pdf explaining they couldnt find the funds from my bank which doesnt make sense because Ive already checked all of my bank information to make sure it is correct, which it is. The deadline is coming up on the XXXX and with so many reversed payments with terrible excuses I cant help but feel like theyre trying to unfairly prolong the process to maybe receive more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
In XX/XX/XXXX, I purchased an XXXX home internet device, hoping to have reliable high-speed Wi-Fi for work. However, after a month of using the service, I was disappointed with the Wi-Fi 's strength, which didn't meet my needs. In response, I contacted XXXX 's customer service, and they advised me to return the device and settle the bill for XX/XX/XXXX. I also requested the service be disconnected since I was no longer using it. 

I promptly paid the billed amount and ensured the device was returned as instructed. However, my situation took an unexpected turn when I began receiving harassing calls from a debt collection company named Sunrise Credit, claiming I owed XXXX {$210.00}. I firmly explained that I did not owe such an amount and immediately contacted XXXX once more to rectify the situation. XXXX acknowledged their error and assured me they would rectify it and communicate this to the collections agency. 

I believed the issue had been resolved until Tuesday, XX/XX/XXXX, when I received an alert stating that a derogatory remark had been added to my credit report by the same collections agency. Once again, I reached out to them, only to encounter a rude staff member who talked over me and insisted that I needed to pay to avoid further damage to my credit. 

At this point, I find myself with no alternative but to seek a resolution to this matter to clear my name and 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Capital One has illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 Capital One is required by law to give me 3 disclosures. I have checked all documents from Capital One given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am hereby requesting all above disclosures required by Federal Law. 

In addition, I am requesting a copy of the original contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: CA

Complaint narrative:
The first time I realized there may be some inaccuracies on my credit report was on XX/XX/2023. I contacted the credit bureaus via certified XXXX XXXX mail tracking # XXXX to let them know about the inaccuracies on my credit report and I would like them investigated and deleted. I checked my compared my credit report from XX/XX/2023 to an up-to-date report nothing has been modified. This is a violation of my federally protected rights and is causing me an enormous amount of stress to where it is affecting my mode of living. Can you please et an update on my credit report and when it will be modified to reflect accuracy across all three of the major credit bureaus?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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:
The first time I realized there may be some inaccuracies on my credit report was on XX/XX/2023. I contacted the credit bureaus via certified XXXX XXXX mail tracking # XXXX to let them know about the inaccuracies on my credit report and I would like them investigated and deleted. I checked my compared my credit report from XX/XX/2023 to an up-to-date report nothing has been modified. This is a violation of my federally protected rights and is causing me an enormous amount of stress to where it is affecting my mode of living. Can you please et an update on my credit report and when it will be modified to reflect accuracy across all three of the major credit bureaus?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sent my fraud report to these companies, letting them know that it was not me that applied on those inquire reports and they still have not done anything about it. I would like these reports investigated and removed once they find out its not mine or I will have to sue them for this inconvience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: TX

Complaint narrative:
This formal complaint is against TransUnion. I have disputed with TransUnion a few times regarding the inaccuracy of late payments being reported on my consumer credit report. Multiple dispute letters were mailed to TransUnion, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after TranUnion 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting. 

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company ( Capital One or Global Lending Services ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports.

TransUnion ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report.

In accordance with the Fair Credit Reporting Act, TransUnion has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: TX

Complaint narrative:
This formal complaint is against TransUnion. I have disputed with TransUnion a few times regarding the inaccuracy of late payments being reported on my consumer credit report. Multiple dispute letters were mailed to TransUnion, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after TranUnion 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting.

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company ( XXXX XXXX XXXX XXXX XXXX XXXX  ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports.

TransUnion ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report.

In accordance with the Fair Credit Reporting Act, TransUnion has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
No purchase was made : When I tried to purchase one XXXX XXXX supplements I could not make a single purchase, they the credit card co. chase amazon wanted me to sign up for a subscription plan for multiple bottles. I tried several times to order without signing up for a subscription. " on XX/XX/23 afternoon from my computer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Dispute filed on XX/XX/2023 about the 2 fraud accounts on my name. One account was deleted but the other one is still on my name. It is affecting my credit score and it is showing very low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I was charged {$350.00} by XX/XX/XXXXafter my rental was returned and our affairs settled. I contacted the branch about the charge and was told they had no records of that charge and it must have been a different department used for tickets. I then called that department with the number supplied by the branch. I was told again no record of that charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I notified via email that i was disputing a charge I had paid with my debit card ( compliant to regulation E ), the product/service was not as described or listed. I sent the initial email on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from a woman named XXXX, stating they would initiate the dispute and communicate in writing. On XX/XX/XXXX, I had not received any letters, paperwork, or seen the dispute initiated in our bank account. So i sent a follow up email on the matter. I had not received a follow up by XX/XX/XXXX, so i opened a claim with the XXXX. On XX/XX/XXXX, I received a call from XXXX again at 53rd, stating that it was being placed in dispute. So from XXXX ( XXXX Calendar Days & XXXX business days ) I had not seen anything on my account or received an email/letter around the transaction. On XX/XX/XXXX, I received a response to my XXXX claim electronically & then a follow up call, now from a gentleman named XXXX. The response via the XXXX  was from XXXX XXXX with 53rd Bank, and she sent documents that were mailed on XXXX & XX/XX/XXXX. However, they mailed them to a very old former address on file. I confirmed with the bank 's customer service that my address was and had been updated in their system. I received the letters via mail forwarding in once on XX/XX/XXXX and again in early XXXX. However, in their response on XX/XX/XXXX, I was able to print them and complete. I sent them via email to the XXXX on the XXXX and again on the XXXX. On XX/XX/XXXX, I received a XXXX  response from the bank that the Chargeback had been filed with the merchant on XX/XX/XXXX. So the charge back was initiated with out any documentation that i completed, furthermore a previous response says the documents were mailed on XXXX ( to an old address ). I am unsure how they file a chargeback the same day they send me the documentation to complete, in order to file it? Beyond that they continued to send the same response via the XXXX messaging. The dispute had been opened and to allow 90 days. They did not address my concern at all of not having my documentation on file. So fast forward to XX/XX/XXXX, I received no letters, no communication, since XX/XX/XXXX. I see that my checking account was disputed the provisional credit. I have not been provided any information around the dispute and why this was done. The bank has confirmed they have my correct address on file, my email address, and phone. I received no notice of this happening. I sent a rebuttal to the XXXX around my concerns & issues with how this was handled. I have had nothing resolved. I had photos, documents, etc pertaining to this dispute case all to find out that it was sent for a chargeback the day they mailed forms to my old address. What can be done about this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: LEADER ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX XXXX : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX These are inquiries I didnt authorize on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a XXXX XXXX card from capital one. I provided my SSN, Drivers License information, and other identifying information and was approved. 

After receiving my card in the mail and trying to use my card for the first time, I was told it was " Locked for Fraud '' and asked to provide additional identification. I provided the requested information and kept getting told it was not enough despite it containing all the information they requested. 

They could also see I currently own a different Capital One Credit card for over 10 years, and it had the same identifying documentation and was in good standing. 

After multiple attempts with Capital One 's customer service I was left with a hard credit inquiry on my credit, and an unusable credit card since capital one can't figure out what identity documents they need. 

After searching this issue on the internet, it appears Capital One is approving everyone, then demanding identity documents people may not have. Even my passport wasn't sufficient .... This is fraud / bait and switch. I will never do business with Capital One again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hi I have ran into a problem on more than one occasion most recently being XX/XX/2023 at citizens bank located in XXXX XXXX XXXX XXXX XXXX XXXX My weeks pay generally arrives late by mail on XXXX  so I go to bank that does businesswith my employer so I can cash the check. When attemptingto do so the teller refuses to cash the check and tells me that I'm doingnothing wrong on my end and that my employer needs to do something in order for me to cash the check. I reply so what am i supposed to tell my employer to do because I can not let this happen again in the future. The teller explains to me that work will know what needs to be done on there end but she can not share that information with me to share with them. I then replied that I was upset with the process I also let her know the last time this happened all I did too fix it was go to a different Citizens bank to cash the check and why she was unable to do so. Her next answer did not make sense either. On this day I also went to differentcitizens branch and was able to cash same check that was deny cashing 20 mins earlier at said location. Im notsure if this a work issue a bank issue or both. But i am sure this is not a fraud issue i am in the bank every week they are aware I am there to cash a check and have no interest in opening an account. I provide ID and hand them a signed check issued from my employer city of XXXX and there bank please help fix this mess thanks

Company response to consumer: Closed with explanation