vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I vacated my apartment unit at XXXX XXXX XXXX in XXXX. The management did not inform me of any outstanding dues via phone, email, or mail. Instead, they forwarded the matter to a debt collection agency. The debt collection agency also failed to communicate with me through any means before reporting the debt to credit reporting agencies. As a result, my credit score was negatively impacted without any fault on my part, which I believe is unfair. 
If they sent mail to my vacated apartment address, it was not an appropriate approach since the debt was charged after I had already moved out. 
Sending mail to an address I no longer occupy is not an effective way to communicate important information like outstanding debts. 

I have paid all dues as soon as I came to know there is a derogatory remarks on my credit report, Attached the copy FYI Client/Apartment Management : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX GA XXXX Collection Agency : Professional Debt Mediation , Inc . 
Disputes to : XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Toll Free ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
I am disputing the accuracy of the reporting on my XXXX XXXX XXXX XXXX account ( Account # XXXX ) listed on my Experian credit report. This account is marked as 'Voluntarily Surrendered ' and reflects a charge-off amount of {$XXXX} with a balance of {$XXXX} as of the last update in XX/XX/year>. I believe there are inaccuracies in the reported dates, amounts, and account status. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, and I have formally requested that Experian investigate and verify the information. I am seeking verification of the reported information, and if it can not be verified, I request that the account be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I HAVE A PROBLEMS WITH SEVENTH AVE REPORTING WRONG INFORMATION TO THE THREE CREDIT BUREAUS. THEY ARE ALSO CHARGING ME EXCESSIVE FEES AND INTEREST FEES. I HAVE WHERE MY OLD LANDLORD MADE US MOVE FROM OUR TO Home to SELL THE HOME BECAUSE OF COVID. SEVENTH HAVE WAS ADVISE THIS INFORMATION AND STATED THEY WILL NOT CHARGE ME LATE AND INTEREST FEES STARTING FROM XX/XX/year>, they are charging me excessive late fees and interest. They are illegally reporting to the credit bureaus wrong information, and causing my credit score to drop. I HAVE PAID ON TIME SINCE XX/XX/year>,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
These companies don't have my accounts listed correctly and its hurting my credit. I have asked them to update my credit to the proper bankruptcy status and instead of they are just noting the account. This is a violation of my consumer rights when it comes to my consumer report. I will list send the letters I have sent to them below in the attachment. 

I am also holding XXXX, XXXX, and XXXX liable as well for allow them to report incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Synovus Bank
State: MA

Complaint narrative:
On XX/XX/year> I submitted a payment to First Progress Credit Card for {$250.00} using express pay for XXXX additional dollars. The payment has posted my balance is {$470.00} with an available credit of {$170.00}. When I asked customer service to correct it they said I owed from a purchase made in XXXX for {$180.00}. I have a screenshot and statements that say I paid down a statement balance of {$920.00} in XXXX to {$470.00} as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My grandson is on the XXXX spectrum and was granted XXXX as he is not capable of holding a job. I took him and his first XXXX checks to Chase bank and we opened a checking account. About XXXX weeks later ( XX/XX/year> ) I received a letter stating that because they could not verify that the checks we deposited were in fact from the XXXX Treasury, they were closing the account. I called and they said we would receive a check in XXXX to XXXX business days returning his money to us. I have called XXXX more times and was told the same thing each time. It is now XXXX months and my grandson 's money has still not been returned to him. 

And since when does a bank not accept a check issued by the XXXX Treasury!?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I filed a fraud dispute with Chase Bank after XXXXXXXX XXXX refused to provide me with an apartment unit despite my payment of a deposit and application fee. XXXX initially cited plumbing issues, stating the unit would be unavailable, and agreed to refund my fees after XXXX  days. The next day, however, they listed the same apartment at a higher rate. When I confronted them, they attempted to renegotiate at the new rate, refusing to honor the original terms. Ultimately, they agreed to issue a full refund but later claimed they mailed a check, despite knowing I had not provided an address and had arranged to pick it up. I explained this to Chase, but they closed my claim based on XXXX assertion that I had canceled, without considering my documentation showing XXXX misrepresentation and acknowledgment that a refund is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

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.

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 2024-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: OLD NATIONAL BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I spoke with a representative from Old National Bank and requested a loan payoff to be made in the amount of approximately {$XXXX} on an auto loan. The representative processed that request, and the loan was paid off in approximately XXXX business days. Approximately XXXX  days after the loan was paid off, I called to inquire how long it would take to receive the title to the vehicle. I was told that the title and a copy of the lein release would be mailed out on XX/XX/XXXX. I still had not received any documents via mail by XX/XX/XXXX so I called Old National Bank again to inquire if the title and lein release had been mailed out. The representative confirmed they had and instructed me to call back if I did not receive anything via XXXX mail by XX/XX/XXXX. At that time, they also processed a request to provide me with a copy of the loan pay off leter ( note not the XXXX relase document ). I received a copy of this document and on the document I noted the incorrect address. I immediately called XXXX XXXX Back and inquired if the incorrect address was used to mail out the title. The representative confirmed they did not use the address listed on the loan pay off letter and ensure me that they had the title mailed to correct address. I called back on XX/XX/XXXX as I never received the title via XXXX mail to inquire about next steps. The representative informed me that I would have to request a duplicate title from the state which the car was registered. In order to request the duplicated title, a request was made to the loan department of Old National Bank to release a copy of the lein release letter to my email and to my physical address via XXXX mail. I was told the email should be sent within XXXX to XXXX hours. I requested to speak to a supervisor to determine if it could be confirmed from the loan department about which address was I never received an email, so I called Old National Bank yet again on XX/XX/XXXX. I was told the person handling my request from the loan department was online so the representative reached out to her to determine if another email could be sent. He never received a response from her so he let me know I would have to call back again on XX/XX/XXXX to inquire. I called Old National Bank again on XX/XX/XXXX and spoke with a representative explaining by request to obtain a copy of the lein release via email. She then informed me she requested another email and to call back in XXXX business days if I have not received anything.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
PENNYMAC XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Mortgage Mortgage Mortgage Account Type - Detail : FHA real estate mortgage FHA real estate mortgage Real estate mortgage Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$1800.00} {$1800.00} {$2000.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290000.00} {$290000.00} {$300000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$300000.00} {$300000.00} {$300000.00} XXXX XXXX : {$0.00} {$0.00} {$0.00} Past Due : {$19000.00} {$19000.00} {$19000.00} Payment Status : Late 120 Days Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - XXXX XXXXXXXX XXXX XXXX mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payments are made on time but are reported as late. Although payment made on time it is shown 120 days late on one bureau and 180 days late. Incorrect / inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY

Complaint narrative:
Between XXXX and XXXX of XX/XX/XXXX, the XXXX accounts I had with Wellsfargo were closed supposedly because I was living abroad ( XXXX ). 
Between all XXXX accounts, I had circa XXXX XXXX 

( XXXX ) While being in XXXX, the Wellsfargo customer service reps continuously told me that the only way to transfer the funds was through a cashier check, which I was unable to cash out because I was not living in the XXXX, or through a wire transfer, which to proceed a notarized XXXX  XXXX needed to be signed off by the account owner. After I requested the alpha XXXX to be mailed out from XXXX to XXXX twice, and never received it, I decided to plan a trip to the XXXX to solve this issue. 

In XX/XX/XXXX, I traveled to XXXX and went to a Wellsfargo branch next to the airport. The banker who assisted me told me he was not able to find the XXXX closed accounts on the system, he only managed to find XXXX of them which had a total sum of XXXX XXXX Which meant that the XXXX other accounts that had the rest of the money ( XXXX $ ) were missing. 


After the trip from XXXX, I had been making international calls to Wellsfargo practically on a daily basis, and every time I call they manage to find another excuse to postpone the case : XXXX. After a week of phone calls they were able to identify the missing accounts, they said that junior bankers didnt had access to request that information. 

XXXX. A case investigation was opened on the last week of XX/XX/XXXX, and was supposed to close on XX/XX/XXXX. Afterwards the case got postponed again to XX/XX/XXXX because they keep searching for information which they cant disclose. 

I really need my money back as soon as possible and I am tired of waiting. I am prepared to take this to legal action. My lawyer advised me to take this step first. I would kindly request your support. 

Best regards.

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 2024-11-12 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: MI

Complaint narrative:
Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries, and I demand that they be removed from my credit profile. I know that only XXXX XXXX information can be reported on my credit profile and that any inaccurate Information must be removed. These inquiries have caused me to be denied credit and have caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove them from my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me. I never gave them permission to obtain my credit profile or gain access to my social security number. 
REMOVE NOW >>>>>>>>> XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/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 2024-11-12 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: Block, Inc.
State: VA

Complaint narrative:
) Credentials associated with a XXXX debit card ( ending in XXXX ) were fraudulently obtained and exploited to initiate a substantial volume of unauthorized transactions over several months, totaling more than {$XXXX} through the CashApp platform. 

Details of Unauthorized Transactions : Upon reviewing our XXXX bank statements, we discovered that our account ( ending XXXX ) was subject to thousands of unauthorized withdrawals. These withdrawals occurred with high frequency and were for small, recurring amounts typically {$XXXX}, {$XXXX}, and {$XXXX} transactions. To illustrate, on XX/XX/year>, over XXXX XXXX such withdrawals were processed in a single day by what appears to be a single user. 
Given the nature, volume, and frequency of these transactions, we believe that CashApp, which asserts its commitment to fraud detection and prevention, should have flagged this unusual activity as potentially fraudulent. No notification was sent to us or to XXXX, and no action was taken to prevent continued unauthorized access to our account, which we consider a lapse in XXXX duty to monitor and secure the platform against suspicious activity. 

According to standard principles of fiduciary responsibility and risk management, CashApp has a fundamental obligation to prevent misuse of its platform, especially when transactions follow a pattern consistent with fraudulent behavior. Federal and state regulations mandate that platforms such as CashApp utilize fraud detection software responsibly to protect consumers and act to limit fraudulent activity. 
Given these obligations, the lack of action from CashApp to detect and alert either us or our financial institution, XXXX Bank, constitutes a breach of its stated policies and regulatory requirements. The substantial amount of {$XXXX} and the extent of unauthorized activity further underscore the responsibility of CashApp to reimburse the amount fraudulently withdrawn. 

We are prepared to provide a comprehensive list of all unauthorized transactions as reflected in our monthly XXXX statements. Additionally, we consent to XXXX providing any necessary account information to facilitate an investigation and resolution on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Pursuant to 18 usc 8, i owe no debt, this company is violating my consumer rights to privacy pursuant to 15 1681 b to company also has NO permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We have been corresponding with your company since XXXX of XXXX  and you have not attempted to send us restitution.

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