vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The Capital One charged yearly card fee of {$390.00} for Venture X credit card but didn't provide the service as advertised. It against false advertising laws.

The Priority Pass ( airport lounge membership ) should be included in the Venture x card. But when I paid the yearly fee and registered online, it said the card member is not available. The customer service said it will take XXXX weeks to be able to register. But XXXX weeks later, it's still not working. When I called Capital One, they said the partner system has issue and no time frame when it can be fixed. 

I am traveling in XXXX weeks and will need to pay out of pocket for the service, which should be included in my yearly card fee.

Capital One Venture X is totally a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
This account was paid and I was never late on this account. This should be updated to paid as agreed on time. I always pay on time and never was late.

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 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
This is also a matter of fraud and identity theft, but not identity theft for myself. 

On XX/XX/24 I sent payment to a friend {$1600.00} through Venmo. In fact, this was not my friend, but was someone posing to be my friend. Once learning this information, I immediately contacted Venmo ( within hours ) with this information. At that time, they told me there was nothing that could be done and I should only utilize Venmo between friends and family. When I explained that this was a friend, or so I thought, they told me again, there was nothing they could do because they had already paid the party the money. 

On XX/XX/24 I contacted my back, who informed me that the transaction was pending and had not been paid through my bank. At that time, I instructed them to stop payment on the transaction and I signed a consent form for that to be done. I them informed Venmo that I had stopped payment on this transaction, and they told me that I still owed the money because they had already paid it even though it had not cleared my bank. 

After receiving an email XX/XX/24 saying that they were trying to recover their funds and that I owe them {$1500.00} ( I had a positive balance of {$40.00} in my account ) I reached out to Venmo via email to notify them that I would not be paying this ( Full email attached in word document to this form ). 

On XX/XX/24 after receiving multiple phone calls and discussing the concerns, I stated that I wanted to file a dispute. I emailed that day as well ( attached ) XX/XX/24 received a phone call from Venmo collections- after reiterating the situation I was told that no dispute has ever been filed. I was transferred back to the customer service department and informed them again that I wanted a dispute filed. At that time, and via email, I instructed them to file a dispute and provide me conformation of that dispute within 24 hours. I never received any notification of this dispute being filed. At this time, I also stated that if they did not respond to my request within 24 hours that I would retain legal counsel on this matter. ( Emailed attached ). 

To this date I still have not received confirmation of them filing a dispute but continue to receive multiple phone calls a week from the Venmo collection department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
On XX/XX/XXXX I received a declaration for my new Homeowners Insurance Policy through XXXX XXXX. Using information found online, XXXX XXXX sent the declaration to Freedom Mortgage. Freedom Mortgage said this was the wrong location for the Mortgagee Clause. 

The address that XXXX XXXX sent the Mortgagee Clause/Declaration too was indeed a Freedom Mortgage office. However Freedom Mortgage did not get the document routed to the correct resources. Address Details below : MORTGAGEE FREEDOM MORTGAGE CORPORATION XXXX XXXX XXXX XXXX XXXX, TX XXXX Freedom Mortgage made several attempts to get in contact w me as I did not have insurance on my house. We made contact on XX/XX/XXXX. At that time I sent the declaration directly to Freedom Mortgage. Freedom Mortgage mailed payment to XXXX XXXX on XX/XX/XXXX. Payment was not received on time as it needed to be received by XX/XX/XXXX to maintain coverage. 

XXXX XXXX received the payment on XX/XX/XXXX. At this time they cashed the check and refunded the money back to Freedom Mortgage, at the address listed above. 

Freedom Mortgage cashed the check in XX/XX/XXXX. They are currently working to pull reports that will confirm if the money was put back into my escrow account. 

Despite Freedom Mortgage getting a refund on their payment for Homeowner Insurance, and despite knowing that my house was uninsured, Freedom Mortgage had my house and account listed as insured. They did not realize that my house had been uninsured from XX/XX/XXXX, until XX/XX/XXXX. They made no further efforts to reach out to me regarding the situation. 

I saw that the appropriate amount was coming out of Escrow every month, and as XXXX XXXX had not reached out with any additional information, neither myself or Freedom Mortgage knew that I was uninsured. 

I view this as extreme negligence. I need to confirm that the financials get sorted appropriately. And I have concerns about this lender being in possession of my house and escrow account. In my recent phone calls with them I have received conflicting information and neither Freedom nor XXXX XXXX is consistent in their ability to provide clarity or resolution to the situation

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 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Allstate Credit Bureau for their egregious violations of consumer financial protection laws. Despite numerous attempts to resolve the matter, Allstate Credit Bureau has continuously disregarded my rights and engaged in deceptive practices, as outlined below : 1. Failure to Provide Validation Information : Allstate Credit Bureau has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) before placing a collection on my consumer report. This lack of validation denies me the opportunity to assess the accuracy of the reported debt. 
XXXX. Denial of Dispute Rights : I have not been afforded the chance to dispute the account in question, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of dispute rights undermines my ability to rectify any potential inaccuracies or discrepancies.

3. Utilization of False, Misleading, and Deceptive Means : Allstate Credit Bureau has utilized false, misleading, and deceptive means in their collection efforts, violating my consumer rights. Such practices are in direct contradiction to established consumer financial protection laws. 
XXXX. Failure to Provide Required Disclosures : Allstate Credit Bureau has furnished the account to a consumer reporting agency without providing the necessary disclosures mandated by law, thus contravening 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

5. Request for Ceased Communication and Debt Validation : I dispute owing any debt to Allstate Credit Bureau and hereby revoke any rights for them to communicate with me via email, text, or phone calls. Additionally, I request immediate debt validation as per my rights under consumer financial protection laws. 
XXXX. Request for Purchase Agreement and Proof of Licensing : I also request documentation of the purchase agreement between Allstate Credit Bureau and the original creditor. Furthermore, I demand proof that Allstate Credit Bureau is licensed and bonded in the state of Michigan, as required by law. 
I expect prompt and thorough resolution of these matters in accordance with consumer financial protection laws. Failure to do so will result in further legal action to protect my rights as a consumer. 
Please acknowledge receipt of this complaint and provide a timeline for addressing these issues. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request that you review the inconsistencies found in the report made, a report of one month of rent not paid but the dates do not match, the rent of XX/XX/2023 is being required but the contract ended on XX/XX/2023 amount that is being demanded of {$1900.00} when the monthly payment was {$1500.00} payment that was made through a third party called XXXX that the same company that issued the report recommended that payments be issued through this company XXXX. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 
Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

XXXX XXXX XXXX XXXX acc number XXXX Reinvestigate the completeness of every piece of information and if is not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. cos 1681i- procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Please send me a copy of the results via postal mail. 

I attached an copy of my credit report with the errors

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 2024-03-13 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: PR

Complaint narrative:
I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

XXXX XXXX XXXX XXXX acc number XXXX Reinvestigate the completeness of every piece of information and if is not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. cos 1681i- procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Please send me a copy of the results via postal mail. 

I attached an copy of my credit report with the errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Contact : ( XXXX ) XXXX SSN : XXXX File Number : XXXX Account Number : XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Subject : Request for Deletion of Paid Collection Account To Whom It May Concern, I hope this letter finds you well. I am writing to dispute the accuracy of information reported on my credit file regarding a collection account attributed to me. According to my records and attached documentation, this debt has been fully settled and agreed upon for deletion with the creditor, XXXX XXXX XXXX XXXX. 

Please find attached a Paid Loan Letter from XXXX XXXX XXXX XXXX, confirming the settlement and deletion agreement of the said collection account. This letter serves as conclusive evidence that the information currently being reported by your agency is incorrect and not reflective of the current status of the account. 

Account Details for Reference : - Original Creditor : Snap Finance - Collection Agency : XXXX XXXX XXXX XXXX - Account Number : XXXX - Reported Balance : {$0.00} In light of this, I respectfully request that you review the attached documentation and proceed with the immediate removal of this account from my credit report. The Fair Credit Reporting Act mandates that accurate and up-to-date information be reported. Given that this debt has been paid and an agreement for deletion was reached, continuing to report this account negatively impacts my credit score unjustly.

I appreciate your attention to this matter and look forward to seeing the necessary corrections made promptly. Should you require additional information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your cooperation and understanding. 

Sincerely, 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 2024-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Collection Account and Violation of Rights Dear Sir/Madam, I am writing to formally dispute a collection account that has been reported by Debt Recovery Solutions LLC to consumer reporting agencies. This dispute is based on violations of my rights as a consumer, specifically under the regulations outlined in 12 CFR 1006.34. 

Failure to Provide Validation : The collection agency has not provided validation of the debt as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed the collection on my consumer report, impacting my credit standing without proper verification. 

Denial of Dispute Opportunity : I have not been given a chance to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). This denial of my right to dispute the account is a clear violation of consumer protection regulations. 

Use of False and Deceptive Means : The collection agency is violating my consumer rights by using false, misleading, and deceptive means. Their actions do not align with fair debt collection practices and are causing undue harm to my financial well-being. 

Failure to Provide Required Disclosures : The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law. This failure to comply is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Debt Recovery Solutions LLC for their violations. Additionally, I request that the collection account be removed from my consumer report until the necessary validations and disclosures are provided. 

I am also revoking all rights of Debt Recovery Solutions LLC communicating with me through email, text, and calls. I am requesting debt validation and the purchase agreement between Debt Recovery Solutions LLC and the original creditor. I am also requesting proof that they are licensed and bonded. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: PR

Complaint narrative:
I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

XXXX XXXX XXXX XXXX acc number XXXX Reinvestigate the completeness of every piece of information and if is not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. cos 1681i- procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Please send me a copy of the results via postal mail. 

I attached an copy of my credit report with the errors

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
THE HEREIN MENTIONED ORIGINAL CREDITORS, DATA FURNISHER AND OR FINANCIAL INSTITUTIONS USED DECEPTIVE AND UNFAIR METHODS TO OBTAIN THE CONSUMERS CONSENT TO DISCLOSE PRIVATE, PERSONAL, NONPUBLIC, FINANCIAL INFORMATION TO THIRD PARTIES WHICH INCLUDES BUT IS NOT LIMITED TO XXXX XXXX, XXXX, AND XXXX. AFTER FRAUDULENTLY OBTAINING CONSENT THE HEREIN MENTION DATA FURNISHERS, ORIGINAL CREDITORS, AND OR FINANCIAL INSTITUTIONS THEN USED THE CONSUMERS INFORMATION TO FURNISH INFORMATION TO CONSUMER REPORTING AGENCIES BREACHING THE CONSUMERS PRIVACY

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 2024-03-13 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, My balance on the Fifth-Third acct XXXX was {$1000.00} after a {$75.00} was taken out illegally. the balance before this was {$1100.00}. Someone from Fifth-Third Bank in XXXX, Fl. called me claiming that there was fraud going o in my accts. They said I needed to move ALL my money, from two savings accts. to my checking acct. The total of ALL my accts was {$9.00}. On XX/XX/XXXX the bank had refunded only XXXX. I am missing XXXX. I have tried to talk with the bank several times about this and they say I am fully refunded. Please help me get my money back XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX car payment up date haven't been updated in months the balance on credit reports are {$4000.00} the correct balance 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 2024-03-13 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: MD

Complaint narrative:
XXXX XXXX car payment up date haven't been updated in months the balance on credit reports are {$4000.00} the correct balance XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief