vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: LA

Complaint narrative:
Have requested verification of validity of debt and requests have been ignored

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a Capital One Venture X card. My rolling cycle starts XXXX of every month. I am enrolled in the autopayment program on the XXXX of each month. 

In XX/XX/2023, I decided to pay the balance ( {$12000.00} ), that would be due on XX/XX/XXXX, a bit early on XX/XX/XXXX since my balance was high due to some big purchases ( heard somewhere carrying a high balance was not good for my credit rating ). 

I did not do anything about the autopay option since I assumed I would be billed {$0.00}. 

However, on XX/XX/XXXX, CapitalOne extracted {$4900.00} from my checking account which is a balance of transactions between XX/XX/XXXX and XX/XX/XXXX. Normally, this would be among the balance that would be due XX/XX/XXXX. 

I am outraged that a credit company would extract money out of me before it's due. Capital one states it's in their policy, but there is a big flaw in that the description of " statement balance '' does not define it leads to prepaying. They are penalizing consumers for paying early, thus loss in interests. I have not experienced this in other credit card companies I have used. 

Thank you for your consideration. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was a victim of Identity theft and after checking over my credit report with all 3 bureaus I have noticed inquiries that I am not familiar with. I have submitted letters to Equifax, XXXX, and XXXX, as well as to each of the creditors to try and get the inquiries removed because I did not authorize my reports to be pulled. I believe they may be a result of my identity being used by someone else. I have placed fraud alerts on my reports. I am now in the process of cleaning up my reports and taking the proper actions to try and get everything resolved. These are the inquiries I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have been attempting to pay this loan off on full for a couple of months now. I submit payment, and receive notice that the funds will be taken out of my account. The money is not taken out, and the company continues to report incorrect account balances to the credit bureaus. The auto pay feature is turned off as I do not want to make a monthly payment, I would like to pay this off in full. The loan reported delinquent most recently on XX/XX/XXXX, one day after I again submitted payment for the complete balance. Again, there has been no debit from my bank account, and no history of my attempted payments in the app. Payments are not being returned, they are just not hitting my bank account. There is no attempt from the company to accept the full payment that I keep trying to send. 

I have sent emails to the company, as well as calling. The phone number, XXXX does not allow you to speak to a person. I receive notice that someone will respond to my email, but my most recent email, sent on XX/XX/XXXX has still not been responded to. 

Meanwhile, the balance continues to report incorrectly to the credit bureaus, tanking my credit score while I am beginning the home buying process. Since the company will not address, I reached out to the CFPB for assistance, as they are operating seemingly without being regulated. Please assist.

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have been attempting to pay this loan off on full for a couple of months now. I submit payment, and receive notice that the funds will be taken out of my account. The money is not taken out, and the company continues to report incorrect account balances to the credit bureaus. The auto pay feature is turned off as I do not want to make a monthly payment, I would like to pay this off in full. The loan reported delinquent most recently on XX/XX/XXXX, one day after I again submitted payment for the complete balance. Again, there has been no debit from my bank account, and no history of my attempted payments in the app. Payments are not being returned, they are just not hitting my bank account. There is no attempt from the company to accept the full payment that I keep trying to send. 

I have sent emails to the company, as well as calling. The phone number, XXXX does not allow you to speak to a person. I receive notice that someone will respond to my email, but my most recent email, sent on XX/XX/XXXX has still not been responded to. 

Meanwhile, the balance continues to report incorrectly to the credit bureaus, tanking my credit score while I am beginning the home buying process. Since the company will not address, I reached out to the CFPB for assistance, as they are operating seemingly without being regulated. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
I see a few inquiries on my credit report that do not belong to me

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
I went to a famous pianist concert on XX/XX/2023 at XXXX XXXX. The concert hall was full with people and there was not enough fresh air circulation. I felt dizzy and I tried to get out from the hall and I XXXX. XXXX XXXX called XXXX XXXXXXXX XXXX-Ambulance. I told to officials at XXXX XXXX that I feel better and I just need a little time to take a rest and get some water. I noticed clearly that I do not want the ambulance because I do not have money to pay the expensive ambulance service fee. Meanwhile, I called to my husband who is a XXXX  and he was driving to XXXX XXXX to pick me up. 

Nevertheless, the ambulatory people came and they tried to communicate with me. I continuously told them that I can not pay for the service bills so I don't need them. They refused to LEAVE because since XXXX XXXX called them, they suppose to stay next to me. They also refused ME to leave the site. I had NO option to leave the site and refuse them to stay next to me neither. Most importantly, I did not call the ambulatory service and I did not take the ambulatory car. 

After a couple of minutes, my husband arrived, and checked my blood pressure. He said everything is fine and we left for home. 

A couple of days later, I received a bill from XXXX XXXXXXXXXXXX XXXX-Ambulance with the fee of {$520.00} I called the number on the letter. Overall, it was very hard to get connected with a person who I can talk to. When I finally got connected with a person ( over two months later ), I explained all situation and he said someone at the hospital will contact me regarding my dispute. 

I didn't hear back from them for a couple of month, so I thought they waived the fee. I received a letter from R.T.R FINANCIAL SERVIES, INC on XXXX, 2023 that they are trying to collect a debt which was charged from this hospital. I even reached out to R.T. R Financial Services ( telephone : XXXX ) but they didn't answer. 

I entirely disagree with the fees that the hospital charged me. 1. I did not call the ambulance service and 2. my refusal about the ambulatory service was denied, and 3. I did not take the ambulance car. Moreover, the hospital reported to the debt collector even before they respond back to my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Hello, my name is XXXX XXXX. 
I received a settlement and deposited the two checks from the settlement in my checking account. Was told that only 1 would be held for verification because it was {$5000.00}. The other was under that amount. Both checks were held. Also it shut my account down, debit card was deactivated and I could even Use the funds that was already in my account. The customer service representative are very rude and immediately told me the checks were fraud and I was going to have to pay it back When the checks weren't even cleared yet. They were still being processed. It was only 2 days of me depositing the checks. They are u professional, have no clue what to say or do when you call for help. 
Immediately the day after my account has been placed on hold with no resolution, no one can help elaborate on why my account is frozen and they told me they don't have to tell me why I can't access MY own money I deposited. 
Then I opened up a business account, never used my social security number only my business name, and this institution attached the business to my social security number when I never given them my social. Only my EIN number. So when i called to discuss why my personal account was on hold, the representative proceeds to discuss my business account. Which shouldn't even be attached to my social at all. Nor my name. Its a business account I also keep getting these overdraft fees with fees attached to to the overdraft fees. I haven't even used my business account for anything so how could i receive overdraft fees. 3 of them + 3 fees of {$30.00} for having 3 overdraft fees. My account is now - {$250.00} all for fees associated with my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lyons, Doughty & Veldhuis, PC
State: OH

Complaint narrative:
This creditor says I owe them {$1200.00}. The original debt was {$2300.00}. I have paid {$1400.00} since XXXX. My balance should only be {$920.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
Chase Card Services seems to be exhibiting a pattern of FCRA violations and this is just the latest example ( see prior incident filed XX/XX/XXXX ). 

We ordered a replacement dishwasher part from XXXX in XX/XX/XXXX. The ETA was XXXX XXXX. At the end of XXXX, I received communication that the part was going to take up to another two months to ship. I emailed XXXX requesting cancellation of the item due to the long wait. I then immediately secured the part from XXXX. XXXX replied that they could not find my order. I provided them with all of my information and noted this should be enough information to look up my order and cancel it. XXXX never responded after this. 

Out of the blue, in XXXX we received a package from XXXX with the part. We contacted XXXX requesting they pickup the part at their expense since we informed them to cancel it months prior. XXXX also did not respond to this email. We then called their XXXX and experienced a substantial wait time so we hung up. 

Having no other choice, we disputed the item with Chase XXXX XXXX XXXX XXXX XXXX We kept the item and were prepared to provide it to XXXX when they came to pick it up. 

Having had a Chase account for a few years, we have noticed that Chase always puts up unnecessary roadblocks when disputing charges, no matter how obvious the dispute is in your favor and no matter what you provide upfront. Even if you include all pertinent information in your written dispute, they still require you to -call- them ( no electronic option is provided ) to re-provide all of the information you already provided to them. Presumably, this is to create friction and cut down on their labor costs in handling disputes. Nonetheless, we always play ball and provide the information requested. Usually, this is the end of our obligation. However, this time Chase mailed us a dispute form in XXXX requesting, for a third time, the same information we already provided to them. Again, we jumped through their hoops and responded by the XXXX deadline indicated. 

Inexplicably, we received a letter from Chase yesterday explaining that the merchant shipped the item to us and showed proof and therefore the charge is valid. 

This is a direct violation of the FCRA. Once we made our attempt to cancel the item, the purchase should be considered canceled and any attempt to continue the purchase is unauthorized. The fact that we then made attempts to allow the merchant to take the item back demonstrates that we clearly did not want this item, and that the obligation is on the merchant, not us, to facilitate the return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: LA

Complaint narrative:
Chine closed my account. And I can't assess it to see how much funds I had

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
In with Fair Credit Report Act, Thus creditor DIVISION Of CHILD SUPPORT has violated my rights under 15 USC 1681 section 602, states I have the right to privacy.

15 USC 1681 section 604A section 2, also states that comsumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under and open and comsumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
ChexSystems is inaccurately and negatively reporting old information in order to keep certain demographics in a constant negative status. ChexSystems is using racial discriminatory, redlining practices to falsely and negatively report based upon race in order to keep certain demographics in a constant negative status. ChexSystems is inconsistent with actual fair and equal reporting standards. 
ChexSystems must cease and desist negative reporting on my profile and report positive in order to be consistent with similar reports that reflect the same information.

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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Huntington Bank allowed a unauthorized user to transfer funds to his personal XXXX without telling me or alerting me. {$240000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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