vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I kept getting e-mails from a company claiming to be XXXX XXXX with an invoice for {$53.00}. I changed cell phone providers and was no longer using XXXX. When I closed the account, I owed nothing. I had a pre-paid plan and had to pre-pay for XXXX XXXX XXXX XXXX. I had minutes left over when I closed the account. I tried responding many times to explain that I was no longer with XXXX and owed nothing when I closed my account. They ignored my communications. Then, I got a letter throught the mail from MRS BPIO, LLC, trying to collect the {$53.00}. 

I called XXXX -- they explained that because I was on the pre-paid program, I owed nothing. They had no account for me. They suspected it was a fraudelent company posing as XXXX, using their logo. I have reported this to the fraud department of XXXX. I am still being sent invoices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On my Capital One credit cards ending in XXXX and XXXX there was multiple fraudulent purchases. Capital One denied my request for reimbursement for these charges despite sending in a police report showing the charges were not made by me. These charges should be reversed right away as Capital One advertises a XXXX dollar fraud liability guarantee. In addition to this Capital One sent me a letter on XX/XX/2024 saying that the case was resolved thanks to it's {$0.00} fraud protection guarantee. When I checked the charges on the account, all the fraud was wrongly rebilled to my account making me responsible to pay a bill for items that I never purchased and have no knowledge of buying. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have a mortgage through Chase. I have had the mortgage for several years. I set up automatic payments through my bank. I have always paid my mortgage on time. Although the interest rate is fixed, the monthly payment periodically changes because of a change in the escrow payment. This XXXX the monthly payment increased from {$2300.00} to {$2300.00}, i.e., {$58.00}. I was not aware that the escrow was going to change, so I did not change the monthly payment amount. ( Chase told me that a notice of the escrow increase had been sent via mail in XX/XX/XXXX. While I do not dispute that they did, I did not receive the notice. ) Chase received my payment for XXXX and because it was less than the full amount they designated the the amount I paid ( {$2300.00} ) as " unapplied funds, '' They also accessed a late fee of {$85.00}. This went on until XX/XX/XXXX, when I discovered the issue. All told, Chase accessed XXXX late fees of {$85.00} each for XXXX, XXXX, and XX/XX/XXXX. When I discovered the issue I contacted Chase and paid any arrearages in full and Chase wiaved XXXX of the late fees, but not the remaining XXXX.. 

What happened was readily apparent : After regularly making payments, the monthly payment increased and I did not adjust the automatic payments. Despite this Chase did not call me or send me a letter. While I received emails from Chase concerning this issue, I receive a lot of emails from Chase, most of them marketing emails. An issue like this merits a phone call or letter via first class email. 

I view Chase 's conduct as predatory. By failing to call me or send a letter Chase allowed the account to stay in arrearage while accessing interest and penalty. Notably Chase 's late fee is disproportionate. A payment of approximately XXXX was less than {$60.00} dollars short. For this Chase accessed a {$85.00} late fee ( which is the same late fee I would have been accessed if I missed the payment entirely ). Also, by holding the full amount I paid without applying it to my principle, interest or escrow, I also accrued additional interest. 

I ask that Chase be held accountable to not only me, but to anyone else hurt by its predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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:
XXXX XXXX {$390.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.

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 2024-04-18 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.

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 2024-04-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-04-18 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: CA

Complaint narrative:
I have diligently followed all the necessary procedures in disputing these accounts. I've contacted the companies, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Equifax seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Equifax for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Equifax is failing to fulfill its legal obligation to process the identity theft report eventhough the companies already removed the accounts from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. Please DELETE the accounts : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am filing a formal complaint against PayPal regarding the abrupt limitation of my account access and the withholding of my funds for almost XXXX years. The situation regarding my account restriction and the unjust withholding of my funds has caused significant financial hardship and emotional distress. 

Since XX/XX/2020, PayPal has limited my account access with the promise of releasing the funds after a XXXX period. However, the funds were never released, no explanation was provided, and it was only after over XXXX years had passed that XXXX from PayPal XXXX XXXX XXXX XXXX XXXX XXXX and XXXX informed me that PayPal believed the funds were potentially fraudulent. This claim is false, as the funds in question were for unemployment benefits in Massachusetts, and I have provided all necessary documentation to prove my legal eligibility for the funds. Despite this, XXXX later stated in an email that PayPal was unable to disclose the specifics of their decision due to regulatory requirements, continuing to withhold my funds without justification. 

All documentation, including the letter from PayPalXXXX, as well as the letters from XXXX XXXXXXXX concerning my eligibility for the funds are attached to this complaint for your review. 

It is essential to note that my primary objective is to retrieve my funds from the FDIC insured bank account I had with PayPal and not to restore my PayPal account in any capacity. I have no interest in utilizing their services in the future, and I am willing to concede account limitations if it means accessing what rightfully belongs to me. As per my interactions with the state of Massachusetts, I have been deemed eligible for the funds in question and have not violated any laws or received any notice from a government agency regarding fraudulent activity or violations of eligibility requirements for unemployment benefits. 

In light of these ongoing difficulties and the significant impact this situation has had on my financial stability, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure the release of my funds from PayPal 's possession. It is crucial to hold PayPal accountable for their unjust actions and to uphold consumer rights in situations where financial institutions overstep their boundaries. 

Thank you for your attention to this matter, and I look forward to a prompt resolution to this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-18 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I noticed some unauthorized and fraudulent activity on my cred report. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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 XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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 2024-04-18 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: FL

Complaint narrative:
On XX/XX/year> The Credit bureaus stated account XXXX XXXX, Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last activity is inaccurate, and date last reported is not accurate. This is ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts 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 non-monetary relief
Consumer complaint received 2024-04-18 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: SYNCHRONY FINANCIAL
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. 
| The accounts below have violated my rights. 
| 15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.c 1681 Section 604 A Section # * 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 tem 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 ) ( a ) A person shall not furnish any information relating td a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-04-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ensuring timely payments is a habit of mine. I am absolutely certain about this. What I find puzzling is why this company is labeling me late in certain months, which is unacceptable. USC 1666b states that any billing errors need to be fixed ; otherwise, they'll owe me {$1000.00} for each inaccurately reported 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 non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Ive tried requesting my credit report multiple times from Transunion through annualcreditreport.com. The electronic version never works so I requested it be mailed to me and I never received it

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 2024-04-18 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: CA

Complaint narrative:
The XXXX XXXX XXXX XXXXXXXX XXXX, has reported unlawfully XXXX missed payments that has result in a decreased in my credit report. 
According to the Consumer Law 15 USc 1666b it is illegal to provide any late payment information to the reporting credit bureaus. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-04-18 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: NC

Complaint narrative:
I disagree with the account listed below which still appears on my credit reports, even after your Investigation. I would like this immediately re-investigatedXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated a copy of my updated credit report after your re-investigation.

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 2024-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
Sofi Bank has not returned my appraisal fee of {$550.00} and Ive asked multiple times over the last 3 months. They are radio silent and I believe they are XXXX I didnt move forward with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Chelseamac, LLC dba Briteside Solutions
State: FL

Complaint narrative:
I requested a refund as I did not receive any help nor services from the company. They charged me {$1500.00} for 2 payments worth of " services '' in which they did nothing. They were not even responsive when I would call the customer service line. I couldn't get in touch with any representatives and my assigned contacts would not respond. They mentioned to text them primarily first and if not call. Yet they wouldn't respond and several days would go by with no return.

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 monetary relief