vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I noticed my debit card was missing and looked into my account to see over {$1800.00} worth of international charges in my account. I called BOA and they canceled that card and sent a new one and advised I go into a branch to dispute the charges. I went to the branch the following day and opened a dispute on XX/XX/year>. I called the bank on the XXXX to ask about the credits and I looked on the XXXX and they updated the claim on the XXXX denying the claim, I called and they could not tell me much told me to call back to another department on Monday as they are closed on the weekend. They said the decision was made that I was responsible for the charges but they did not have any further details. I have not even left the country how am I responsible for these international charges!? I am so frustrated and this is causing issues with my bills and account being overdrawn. This is so wrong and I feel ike there is nothing I can do BOA is a huge company and I am just a little guy, I am not at fault and I am being treated as if I am lying and making this up when I have not left the country!

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
Consumer complaint received 2024-10-26 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: MI

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one credits auto pay system failed and i missed not one but two payments, ive never missed a payment before, it also dropped my credit score XXXX points I didnt receive any calls text or emaile about even the first late payment and i only discovered this after the drop, also their app feature has had me locked out of my account for two years and I must make a new password everytime which probably leads to why I'm not getting notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: IL

Complaint narrative:
Upon checking my credit report, I have discovered fraudulent hard inquiries on my credit report, they are XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | INFORMATIVE XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXXXX/XX/XXXX, please remove these hard inquiries as they are fraudulent.

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 2024-10-26 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: WA

Complaint narrative:
The account information regarding my credit score from Equifax is inaccurate. I received a notification from XXXX XXXX that my credit score was reduced by XXXX points at Equifax. All my credit data is exactly the same as XXXX and in fact, my credit balances have reduced because I am making payments each month. The FCRA makes it clear that bureaus are supposed to report accurate balance and payment data and with that the score should increase over time. Equifax has deliberately sabotaged my credit score by lowering it XXXX points WITHOUT provocation. This bureau has waited several months from my last complaint I filed against them for reporting inaccurate details about my credit, and suddenly they have diminished my credit score to retaliate against me unlawfully! I will upload pics from both XXXX and Equifax to show the exact same credit data and the scores from both bureaus who use XXXX XXXX  instead of FICO. XXXX XXXX is their partner and displays information being reported by both XXXX and Equifax to the consumer via their APP. Equifax has reported that a significant vehicle loan had decrease by more that {$1100.00} and suddenly my credit score was decreased by XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Fraudulent purchases were made on my credit card ( Citi ATT Universal Mastercard ) I reported them immediately to Citi and was told I would receive provisional credit for the disputed transactions and they would cancel the old credit card and issue a new card. Two days later transactions began disappearing and reappearing on my account. I was not able to get through to the fraud department or customer support because they were doing a systems upgrade ( received a panicked sounding recorded phone message after waiting on hold ). The next day I looked at my account and saw that the dispute flag was removed from the largest fraudulent charge and the provisional credit was removed from all but one of the disputed transactions. Additionally, two transactions, one fraudulent and one legitimate were duplicated. I called the fraud department again and spent 1 1/2 hours being passed from one poorly trained person to another who could not understand what the problem with the account is. I was told that the fraudulent transactions would take 1-2 billing cycles to investigate which would mean I will have {$2000.00} of fraudulent and duplicate transactions will be removed from my bank account.

After being transferred from one poorly trained representative to another for an hour and a half, my call was disconnected and no attempt was made to call me back. These fraudulent transactions are being dealt with by Citi with no care or concern for the severity of the situation. There is no evidence anyone is even working on these disputes. This is shocking to me given that I have had this card for 34 years and have never experienced anything like this with them. Something has clearly changed with Citi 's credit card team.

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
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The vehicle that was leased through the consumer was deemed a total loss. They ended up closing my account and stopped my payments as I was not able to make my payments to the consumer was the vehicle was going through the total loss process. I had contacted the consumer multiple times as they kept updating the balance on my account when it was originally at XXXX. The vehicle lease payment was settle through an Insurance Claim and it was paid. I contacted the consumer because they flagged it on on my credit report as late when I made all payments on time. They sent me a letter stating that the account was closed and my vehicle lease has ended. Now the account is showing on my report as open with a missed payment of 60 days past due. Contacted the consumer to resolve this matter and they advised me that it was nothing they would do. I have been having this issue since the vehicle was stolen from me in XXXX into XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The vehicle that was leased through the consumer was deemed a total loss. They ended up closing my account and stopped my payments as I was not able to make my payments to the consumer was the vehicle was going through the total loss process. I had contacted the consumer multiple times as they kept updating the balance on my account when it was originally at XXXX. The vehicle lease payment was settle through an Insurance Claim and it was paid. I contacted the consumer because they flagged it on on my credit report as late when I made all payments on time. They sent me a letter stating that the account was closed and my vehicle lease has ended. Now the account is showing on my report as open with a missed payment of 60 days past due. Contacted the consumer to resolve this matter and they advised me that it was nothing they would do. I have been having this issue since the vehicle was stolen from me in XXXX into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: MI

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: MI

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, M.I. XXXX Subject : Cease and Desist Demand Dear Midland Credit Management, I am writing to formally request that you cease and desist all communication regarding account number XXXX that you are currently pursuing against me. 

This request is made under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing the following sections : 15 U.S. Code 1692c : This section prohibits debt collectors from communicating with consumers at their place of employment if they are informed that such communications are prohibited. 

15 U.S. Code 1692g : This requires that debt collectors provide consumers with a written notice within five days of initial communication, detailing the amount of the debt and the name of the creditor. If you have not provided such notice, you are in violation of this statute. 

15 U.S. Code 1681e ( b ) : This mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. If any inaccuracies exist in your records regarding my account, I demand that they be corrected or deleted immediately. 

Please consider this letter a formal notice that I do not wish to be contacted further regarding this matter. Any future communication, unless initiated by me, may be considered harassment under the FDCPA. 

I expect written confirmation that you have received this letter and have complied with my request within 15 days. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC
State: TX

Complaint narrative:
XXXX XXXX provided service for XXXX Dues were paid amount of {$80.00} thru my company 's health account. Credit Service Company, XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX sending me notices for dues which already paid to provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I took advantage of a balance transfer promotional offer for my Sapphire Preferred credit card with Chase in late XXXX, XXXX. For a 5 % fee, I could transfer a balance from a non-Chase credit card and pay 0 % interest on said balances until XXXX, XXXX. I called the customer service number and asked how I could pay a particular amount on this balance every month in addition to my balance with regular interest charges. I was initially told that I would see a special line on my payment page that I could enter a particular payment amount for each month. When I did not see that in XXXX, I called customer service department again and was told I needed to read my cardholder agreement for more information. So, I requested a copy of that agreement which had to be mailed to me. When I finally received it in the mail, I reached out to customer service department again because there was no clear cut answer to my payment allocation question ( The agreement contained verbiage like may and possible. ). I was told that all of the information was contained in the Cardholder Agreement and there was no way to allocate any payment amounts monthly to the special promotional balances because I owed Chase a balance subject to interest. One customer service supervisor told me that I needed to cut up my card, cease spending money, and commit to paying the balance subject to interest off as soon as possible so that I could pay off my balance transfer balances before these 0 % interest promotion expired in XXXX, XXXX. 

This practice by Chase Bank is abusive and deceptive, as there was nothing in the fine print that says you will not be able to pay any significant amount on this promotional balance and pay it off before the expiration date if you carry a balance subject to interest as well. My goal was to pay on my balance subject to interest as well as my promotional balance each month to reduce debt. Not only was I given inaccurate information by the banks representatives, I was insulted by a supervisor who told me to stop using my credit card. ( I got married last weekend. Weddings cost money. I used my card to pay for goods and services related to my wedding. This supervisor did apologize to me for saying that. ) The problem is I was planning to pay down both balances each month without knowing there was absolutely no way to do that. I would never have signed up for the balance transfer promotion had I known that Chase would refuse my payment allocation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: WI

Complaint narrative:
I AM HIGHLY DISAPPOINTED THAT THESE FRAUDULENT ACCOUNTS ARE STILL REPORTING ON MY REPORT. AS YOU ALL CAN SEE I HAVE ATTEMPTED TO GET THESE ACCOUNTS REMOVED AS I AM A VICTIM OF THE EQUIFAX AND XXXX BREACH. THIS IS VIOLATING MY CONSUMER RIGHTS PER FCRA LAW. I HAVE ALSO FILED A FTC REPORT TO LET YOU ALL KNOW THAT I AM AND IDENTITY THEFT VICTIM. THIS HAVE PREVENTED ME FROM BUYING A HOME AND ITS ALSO A DEFAMATION OF CHARACTER. AS AN CREDIT REPORTING AGENCY, YOU SHOULD BE PROTECTING MY INFORMATION AT ALL COST. PLEASE REMOVE THESE FRAUDUALENT ITEMS SO I WILL NO LONGER GO THROUGH EMOTIONAL AND FINANCIAL STRESS.

Company response to consumer: Closed with non-monetary relief