vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear XXXX XXXX I am writing to you regarding my [ credit card/account number ] XXXX XXXX XXXX XXXX with your company. I recently discovered that there is a late payment recorded on my credit report for the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ]. I am writing to request that this late payment be removed from my credit report. 

The reason for the late payment was due to unexpected financial hardship. 
I understand that maintaining a positive credit history is essential, and I have been a loyal and responsible customer with your company since XXXX XXXX. I sincerely hope you will consider removing this late payment from my credit report as a gesture of goodwill. 

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

Sincerely, 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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX kept on sending me mails about my missed payment instead of sending paperless notifications which I kept requesting them to do. Additionally, instead of calling me from a registered customer service number they were calling me from multiple odd numbers. Obviously due to security reasons I did not respond or provide my SSN info. 

Then they reported my missed payments to the credit bureau. I requested a courtesy removal since my account is in good standing and due to lack of communication at their end several times. They denied my request stating that since these are valid notes, they can not delete them from my credit report as per policy. As an XXXX  and a XXXX XXXX, I did my due diligence to find out that they have extended this courtesy to other customers and deleted information reported to the credit bureaus. 

This is absolute and blatant discrimination and such practices should not be allowed. I requested them to provide a letter in writing that they have not extended this courtesy to other customers in the year 2023 but they refused to provide the same. I will have to take this complaint to the courts and file a discrimination complaint.

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 2024-04-22 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: PA

Complaint narrative:
These inquiries were done without my knowledge, and the company did them without my consent.

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 2024-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
Bonneville Collections purposely violated XXXX laws in an attempt to collect a debt for XXXX XXXX. XXXX did not make a good faith effort to contact me via phone or mail. They filed a court case against me in XXXX XXXX, which is public records and how I became aware of the debt. Additionally, they attempted to serve me at my prior residence where they know I do not live. They must know based on the fact XXXX in XXXX XXXX but the attempt was made in XXXX XXXX. All of this is an attempt to make the issue public and create shame and embarrassment so I just pay them. 

The debt itself is erroneous. I am divorced and my ex got the house and I moved out. I notified XXXX natural and they said no problem. When I got bills for the ongoing usage, I contacted them, reminded them I am no longer responsible for the household, and offered to send them the divorce decree. They finally discontinued service but failed to backdate the change appropriately and apparently sent me to a second rate collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
transunion inquiries that I don't recognize XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX Inquiry : XXXX. XXXX, 2023

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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I asked the branch XXXX XXXX XXXX at XXXX bank in XXXX, XXXX  for my XX/XX/XXXX bank statement that was closed in around XX/XX/XXXX. Ive been trying to get information since XX/XX/XXXX. I have been calling practically every week and the XXXX gives me some excuse and hes trying but never calls me back. XXXX did call back once around XX/XX/XXXX or XXXX saying the system is down and hes been busy! Well I need this information or I wouldnt be wasting my time. XXXX was supposed to call me back XX/XX/XXXX but never did. Im not calling him again so I decided to complain.

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 2024-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient is calling my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I used square for my XXXX XXXX XXXX XXXX XXXX XXXX for the last XXXX years. never had any issues with the transactions or payments from my friends, family and customers. 
On XX/XX/XXXX I called square to verified I can receive an international Credit card as payment, and they said yes. The Amount of our transactions vary from {$60.00} to $ XXXX On XX/XX/XXXX I received a Payment from a XXXX XXXXXXXX and his payment of {$10000.00} was approved after verification by his bank institution however, the amount didn't reflect in the square balance. I called square to verified if they received the payment and they assure me the payment was received. The square agents told me I shouldn't have any issues giving the items and services to the customer and that the total amount was going to be reflected the next day. 
All of this was recorded by them for customer service purposes. 
On XX/XX/XXXX, they request for documents to support the transaction and I sent them the only thing I had available at the time. As the customer has his bank institution in XXXX, he sent me all of his documents, bank statements, receipts from our previous transactions from our checking accounts. I also sent them his ID and everything necessary for verification purposes. On XX/XX/XXXX Square sent me an email saying they were suspending my square account, and they were going to hold the total balance of my square account for 90 days. 
without a reason, explanation, a contact number or email to reach out with questions. NOTHING. They Flat out STOLE!! {$10000.00} from me. On XX/XX/XXXX and XX/XX/XXXX, I sent extra documents and tried to talk to someone about the status of the account and nobody knew anything about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
I have arranged financing to avoid foreclosure and keep my family in my home while my wife undergoes XXXX treatment. She is also facing a high risk XXXX due to her condition and has a detached retina as well. XXXX XXXX is refusing to communicate with me and they will not even sell the mortgage note to a XXXX party that is willing to not only pay the price of the note, PAR plus interest, as well as any legal fees involved. The XXXX XXXX XXXX is trying to help me stay in my home and help my family out but XXXX XXXX is refusing and they are putting my wife 's and unborn child 's health at risk. Below is the email chain and I removed the names except for XXXX who represents XXXX XXXX. I can forward the actual email upon request. I do not see how a mortgage company can do this to a family in need. I XXXX ( XXXX hours ago ) to XXXX XXXX XXXX XXXX Adding the borrower to the thread. We would be happy to pay PAR plus interest and all legal fees to date. This would all be in conjunction XXXX the cooperation the borrower and full releases for the lender by the borrower. All done In the efforts to refi him. 


XXXX, XXXX XXXX ( XXXX hours ago ) to Good morning, I spoke with the folks at the bank, and they are not interested in selling the loan. Thank you for reaching out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I tried using an American Express gift card with {$250.00} loaded onto it, but it is not accepted anywhere online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
to whom it XXXX concern : cease and dimiss Experian credit bureau I am writing to formally request a cease all communicatons with me regarding and related matters in accordance with the provisions of 15us1692c ( c ) ( a ) of the fair debt collections practices act. Dispite previous attemtps to resolve issues and dispute, I have continued to receive communication to have caused undue stress and inconvenience. I am exercising my rights to demand that Experian credit bureau cease all further communications with me regrading any debt-related matters. Please be advise that any further attempts to contact me will be considered a violation of the federal law.. Thank you for your prompt attention to this matter. your cooperation is comply with this request is appreicated.

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 2024-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TEXAS CAPITAL BANCSHARES, INC.
State: VA

Complaint narrative:
Last year, Bask bank has a promotion that if I maintain {$50000.00} in the milage savings account for over 180 days, I will receive XXXX XXXX XXXX miles. I deposited the money and emailed Bask in XXXX on when the promised XXXX miles will be credited to my XXXX account. On XX/XX/23, I received a reply from Bask stating : " Thank you for your message, We show that you will hit the XXXX day on XX/XX/23. as long as the balance does not go below the {$50000.00} balance you will earn the tier XXXX bonus, If your balance goes below you will earn the tier that the balance dropped to. '' Because of this email, I kept the {$50000.00} in my account even though I had an urgent need to use the money. 

To this day, Bask still has not deposited the promised XXXX XXXX miles to my XXXX  account. They told me that the miles were deposited to another XXXX account number which is not mine. But the fact of the matter is I replied on the promised and Bask has not provided me the promised XXXX miles. I replied on the XX/XX/23 email to keep the money in the account. 

I ask that XXXX XXXX miles be immediately deposited to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was told by the court they do not report to credit bureaus bureaus requesting removal of the inaccurate data for their violation of the FCRA.

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 2024-04-22 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$800.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$300.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$1200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$960.00} Needs Attention XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$880.00} Needs Attention Collection accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Collection account. {$530.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$300.00} Status Collection account. {$300.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$960.00} Status Collection account. $ Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached, he following items do not belong to me and is a result of fraud that I did not authorize

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 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Per violation of the FDCPA, which stipulates that I am entitled to {$1000.00}, they have manifestly infringed upon my legal rights. 

I hereby request that this organization remove this account from all XXXX  credit reporting agencies and provide compensation for the infractions. Failure to do so will force me to escalate this matter to my XXXX  attorney, who has informed me that the absence of a " consumer disputes '' entry on my credit report constitutes a breach under which I may file a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: MD

Complaint narrative:
I never authorized or gave permission to the credit bureaus, XXXX XXXX or XXXX XXXX to report a late payment or any of my person information to my credit report. According to 18 U.S. Codes 1028A-Aggravated identity theft is being commented and those items need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE XXXX XXXX XXXX XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Company is reporting false information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing another complaint with the CFPB against CHASE, my mortgage company, due to a concerning situation. Despite declining their so-called mortgage assistance program, which has proven unhelpful, my account now inexplicably shows that I am enrolled in this program. This misinformation has resulted in a series of alarming events, including the inability to make my mortgage payment due to an ongoing issue with the payment amount. 

The situation has been exacerbated by the fact that each time I call CHASE for assistance, I receive conflicting information and promises that are not fulfilled. With the end of the month approaching, I am increasingly worried that CHASEs mishandling of my account and the persistent inability to rectify the payment amount issue are deliberate attempts to push me into default, potentially resulting in the loss of my home. 

I urge the CFPB to intervene swiftly to address this distressing situation. Specifically, I request that CHASE immediately corrects my account status to reflect that I have declined their mortgage assistance program. Furthermore, I seek assurance that I will not face any adverse actions, such as foreclosure proceedings or negative credit reporting, due to CHASEs errors and mismanagement of my account. It is crucial that CHASE takes responsibility for their actions, provides a clear resolution to the payment amount issue, and ensures that no further harm is done to my financial well-being and housing security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents

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 2024-04-22 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with non-monetary relief