vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 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: MS

Complaint narrative:
There is improper use on my credit file I have been a victim of identity theft. Below I have attached my ftc form and there is information on my file that should not be there! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 15 U.S. Code 1601- Congressional findings and declaration of purpose ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholderreceives no benefit. Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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. 

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 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 2024-01-21 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: NC

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I went to a Chase ATM that wasn't working. I went to the next Chase ATM & my card was declined twice. I called customer service told him what was going on & was transferred to fraud department. While holding XXXX minutes I went to XXXX XXXX ATM & pulled cash. When I spoke to lady I said I'd like to be refunded ATM fee. She was very rude & told me to take it up with XXXX XXXX it's their fee. I responded if your ATMs worked I wouldn't have to go there. She accused me off yelling at her said she was going to put me on a brief hold to calm down & hung up on me. I called back got transferred to fraud department & asked for a supervisor. I held a very long time. While she was on the phone my card decided at a drive through. She told me there's nothing wrong with my account or card the ATM probably has dirt in it etc & that after 1st lady in fraud department hung up on me she intentionally & maliciously put a block on my card. In my opinion that is fraud. She has access to my personal information & account & thinks she's God on a power trip. I don't trust that she won't do this again. I spent an hour on these calls & plan to switch banks after XXXX years with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
1. On XX/XX/XXXX, I willingly closed my Capital Once credit card. 
2. On XX/XX/XXXX, I called XXXX to inquire about a refund for the security deposit and estimated date on which I would be in receipt. I was informed verbally that I would be in receipt of the refund through a paper check within 7 10 business days from the date from which the refund was processed. 
3. On XX/XX/XXXX, I again called XXXX to receive an automated voicemail, based upon my credit card number. I was informed through a virtual message that I should be in should be in my receipt within 60 90 days. 
4. On XX/XX/XXXX, I filed a complaint with the XXXX XXXX XXXX, given the inconsistency of communications on the timeline of a refund. In that complaint, I included that any failure to have this check in my receipt by XX/XX/XXXX, I would escalate this matter at a higher level, including the Consumer Financial Protection Bureau and any federal financial regulator that can hold Capital One accountable. 
5. On XX/XX/XXXX, Capital One was in receipt of my complaint filed under the XXXX XXXX XXXX, and no further communication has been received. 
6. On XX/XX/XXXX, I was in receipt of a statement from Capital One that reflects I have a {$0.00} balance, and that I have a {$99.00} refund processed. If Capital One can address the refund has been processed, then Capital One should be accountable for issuing the refund to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have a Capital One savings account and just realized I was not receiving the advertised interest rate of 4.35 %. Due to being an older account I was only collecting 0.3 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts have 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 XXXX XXXX XXXX, XXXX, XXXX, XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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

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 2024-01-21 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts have 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 XXXX XXXX XXXX, XXXX, XXXX, XXXX {$3200.00} 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 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 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 2024-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
on XXXX XXXX XXXX I received approval from Flagstart Bank and entered into an agreement to have a HELOC, or home equity line, of {$43000.00} at XXXX XXXX this is a secured line of credit using my home, which is worth more than {$43000.00} plus the original mortgage of {$49000.00}, I have only used {$18000.00} of these funds for home improvements, including assessments to my condo, even if I use it for a vacation around the world, it doesn't matter, it is secured, and in only a year and a month, Flagstar Bank decided to freeze this line of credit, and block me from using it, they claimed for the first time in 13 months, based on my score with XXXX that they feel I will not be able to comply with my payments, even though, I have a business and savings account with my business and a personal checking account with plenty of funds to pay all of the obligations, all set up on automatic payments and never once late on any of them, XXXX has reported my score lower, and inaccurate, meanwhile XXXX and XXXX report monthly and accurate, all of the payments have been made on time, this line of credit has only been used about less than half of the agreement limit again, my property has been used as collateral so there is no risk of any violations on my behalf. 
This institution has targeted me, why? 
CUSTOMER SERVICE ; every time I called I got an answering voice mail, one man, always the same person eventually called me back, at a very inconvenient time, so rude, cold, and dry, apparently intimidation tactics to make me go away, after reading all of the negative reviews on Consumer Affairs, I believe I'm not alone, this is a violation of my rights as a consumer, my funds are not available and I'm not able to just lose money on the appraisal and closing fees to get this line of credit, apply with a different institution, and pay them off, this is a trap,

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 2024-01-21 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: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX  ) has violated my rights under the 15usc1681 section 602 states I have the right to privacy ( 15usc1681. Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.Under 15uscs 1666b a creditor may not treat a Payment on a credit card account under an open end consumer credit plan 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 2024-01-21 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: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX  ) has violated my rights under the 15usc1681 section 602 states I have the right to privacy ( 15usc1681. Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.Under 15uscs 1666b a creditor may not treat a Payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX ) has violated my rights under the 15usc1681 section 602 states I have the right to privacy ( 15usc1681. Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.Under 15uscs 1666b a creditor may not treat a Payment on a credit card account under an open end consumer credit plan 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 explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Collectors, Incorporated

Complaint narrative:
I was XXXX  in XXXX XXXXXXXX XXXX during my visit to my parents last XX/XX/2023. It was a paid trip by my sister who's already living in the US. I ask for a Financial Assistance in XXXX XXXX because I can't afford to pay my hospital bills. I don't have a job. I already submitted a complaint regarding collection of my debt but now again another collector, Dynamic Collector 's Inc., is collecting an amount of XXXX USD. Hope you can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am trying to make a payment using every card possible I have so I can receive a payment and no transactions will go through. They all keep getting denied. I can't transfer money or do anything in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I use my bank 's bill payment feature very infrequently -- in fact I have only used it twice. On both occasions, the amount was debited to my account within 2 days and shown as " deposited. '' In the first instance, about 2 years ago, the payee called me weeks later to complain that they had never been paid. Based on the bank 's description of the check as " deposited '' I would never have known had the vendor not complained and I might have incurred a penalty to my credit score for late payment, or pursuit by a collection agency. I stopped using this feature as a result of this bank defect. 

Recently, I decided to use the feature again and experienced exactly the same problem, only this time it involved a check sent to my son. Aa a result of my previous experience, I initiated communication with him about whether he had, in fact, received the check. He had not and to this date, still has not. 

I consider the bank 's use of the word " deposited '' in the bank 's online accounting summary of transactions to be a form of fraud and open to abuse, particularly in instances when payment is made to an individual who is not expecting a check and would not be on the lookout for it. 

I leave this to your judgement and possible follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: MOHELA
State: WI

Complaint narrative:
I have paid my federal loans consistently since 2015. I paid during covid, and while I was earning a principal certificate. For a few months, XXXX charged me a late fee ; I inquired. XXXX claimed I did not indicate for which loan I wanted my payment applied. XXXX never sent a message that this was a new procedure. Their lack of communication cost me money. I suspect it is not a new policy but a way to scam people out of more money. Next, I applied for a public service loan through Mohela. I waited an entire year only to find out they had " lost my application '' because, at that time, I had to send a paper copy. I applied again and was accepted this past summer. But, by the Fall, I was not receiving credit- when I inquired, They reported that I no longer worked for a qualifying school. Not true- I have worked for XXXX XXXX for XXXX XXXX  Consequently, the payments I made during this time, " did not count ''. I have messaged Mohela several times to tell them I did not want my loan to be in deferment ; they didn't respond. I have paid faithfully, but none of the federal student loan companies have dealt with me fairly. They seem to work overtime to make paying off my loans difficult. Their fraudulent behavior has cost me more money than I borrowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
During Fall 2022, I mailed XXXX checks to XXXX XXXX XXXX in XXXX, MA. These checks were stolen from the mailbox at the church along with several other congregation members ' checks. This theft was reported to the police, and the individuals responsible have been identified, but I do not believe an arrest was ever made. 

These checks were made out to XXXX XXXX XXXX from my account at XXXX XXXX in XXXX, MA. They were deposited into and TD Bank ATM, and TD Bank cashed these checks without checking ID and into an account NOT operated by XXXX XXXX XXXX. 

I have tried for over a year to get XXXX to refund my money, but they tell me that TD Bank is refusing to release the funds despite the fact that they know they are at fault for failing to follow any reasonable procedures to make sure the person cashing the cash was actually the person who the check was made out to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 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: MA

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief