vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: FL

Complaint narrative:
On XX/XX/2024 I did transaction ( send money to XXXX ) with Xoom company ( XXXX owner ) transaction # XXXX for {$1000.00} dls we supposed to take this money on XXXX company in XXXX, it was not successful and I cancel this transaction, after I did second transaction same day # XXXX for {$1000.00} to take the money in XXXX, this transaction was successful and I take the money that day Xoom system was taken my money from both transactions my checking account was charged for over fee 3 times cause not enough money for 2 transactions same amount I believe system didnt recognize first transaction was cancel and they try to charg me for both day after Xoom company just block my account saying I own one transaction for {$1000.00} dls and still they calling me, one of this call I was very clear with the person I was talking on the phone and I ask I really own this money and she says NO but I need to pay and after couple weeks they will send money back I dont wan na pay something I dont own it was system mistake and they have to correct, they just block my profile and now they put me on collection for not reason. On XX/XX/XXXX i speak with someone again, this woman send me email and she says i need to send back with my bank statement showing what transaction they charge me, same day I send the bank statement with not answer they never check my email today they call me again asking for this money I ask for proof of what transaction I take the money and own they refuse I just wan na clarify this situation im trying hardly to keep my credit health and Im scared this company will effect to me with no reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have called the bank numerous amount of times to find out why my account is being closed they have given me the run around so many times that it is so frustrating. They won't give me any information they told me I can go into the bank and get my money out but when I go into the branch they tell me no we can't do that. They have restricted my account and when I requested information they tell me we don't have any information the bank doesn't have to give a reason why they are closing your account. I just want my money out so it could be closed and I can deposit it into my new account because I have bills to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Prime Recovery LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, my father notified me about a voicemail left by a representative named XXXX from Prime Recovery LLC on his phone. The message was intended for XXXX XXXX, mentioning paperwork for potential judgment and garnishment. Concerned, my wife called XXXX on XX/XX/XXXX, questioning how they obtained the number. XXXX replied that they conduct research. When asked about the matter, XXXX mentioned a collection from XXXX. My wife clarified that the debt had surpassed Florida 's statute of limitations and was not collectible. XXXX insisted on the debt 's validity, stating compliance with the FDCPA! 
Prime Recovery LLC has violated multiple laws when it comes to debt collection! XXXX violated my privacy, she is attempting to collect on a time barred account! The last payment was made was in XXXX! I live in the state of Florida, which is 5 years! My privacy has been violated! This debt is time barred! Refer to the voicemail that was left on my fathers phone!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital one offers a rewards program called Capital One Offers for their Capital One - Venture One card. The show that if you follow a link to a vendors website and purchase items using your Capital One card they will reimburse a percentage of the cost which varies from vendor to vendor. I have done all the correct steps for multiple different purchases from vendors using their link but Capital One 's program does not work and they don't end up reimbursing a percentage. I followed up for XXXX offers from the vendor XXXX which Capital One manually corrected and gave me a reimbursement. I have noticed subsequent purchases have not resulted in a reimbursement or are they showing as going to be reimbursed on their " XXXXXXXX XXXX XXXX '' tracking platform. Their website is convoluted and hard to reconcile what reimbursements were give or what is going to be reimbursed all in an effort to confuse the consumer. The bottom line here is that they have a product that doesn't work correctly and their technology supporting it doesn't work either. They need to fix these issues before every trying to allow this as an option for customers. Please feel free to contact me for more information. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
On XX/XX/year> I sent in all documents required for a loan assumption from divorce. It is a VA loan and I am a veteran. Freedom has verified that they have all of the information and I have let them know about the urgency of this situation. I have called Freedom XXXX times, each time with call lengths of over XXXX XXXX. I have asked for managers to call me back. They will no longer transfer my calls out of the call center. They say I need to wait. I have had two court dates come and go with no resolution bc they wont provide me with information or documents. I have asked for managers to call me back. I have sent emails to the company. Nobody will speak 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 explanation
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am so displeased with the way my information was used. I have been trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my XXXX XXXX XXXX XXXX to the point I had to have my XXXX pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
On all XXXX of my credit reports showing different dates for last payment made. XXXX, XXXX. XXXX XXXX XXXX on with no last payment details.I asked for the debit to be validated with payments make and last payment. Details of when the account was charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently tried to order credit reports for my wife and I and the bureaus are giving us the run around. The reason being is the credit bureaus are playing fast and loose with our consume scores. We recently paid of all of our revolving debt. Based on risk management software I understand and predict a scoring model because I understand large language models. Our score a much higher that indicated by XXXX XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
I recently tried to order credit reports for my wife and I and the bureaus are giving us the run around. The reason being is the credit bureaus are playing fast and loose with our consume scores. We recently paid of all of our revolving debt. Based on risk management software I understand and predict a scoring model because I understand large language models. Our score a much higher that indicated by XXXX XXXX, XXXX and Experian.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this Creditor has violated my privacy rights as a consumer. They are not reporting fair and equitable to me as a consumer with the regards to privacy and confidentiality 15 USC 1681 Permissible Purpose section 602 states I have rights to privacy, 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I don't have XXXX XXXX for 9 years They send {$240.00} bill i called them they can not give the answer i went to office i can not get the answers they put in my credit i talk i call i did not get enough answers thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I want to file a formal complaint against Portfolio Recovery for egregious violations of my consumer rights. 
It has come to my attention after reviewing my credit report that Portfolio Recovery placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. 
I am unaware of this debt and I have no knowledge of these debt. 
I hereby declare my revocation of all communication channels with Portfolio Recovery including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Portfolio Recovery provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about this collection account which has been posted to my credit report. 
I demand the immediate deletion of this account from my credit report. 
The date on my consumer report indicating that I opened an account with Portfolio Recovery is blatantly false. I neither received any services or products from this company or entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive. 
This company is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character. 
Portfolio Recovery not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on my credit report.

Portfolio Recovery has not given me a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Credit Collection Portfolio Recovery is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means.

Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law.

The actions of Portfolio Recovery constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ).

I am formally demanding the swift deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX Chase bank made the MISTAKE of paying someone else 's CHECK through my SAVINGS account. When upon DISCOVERY of this ERROR in XX/XX/XXXX, I reported it to Chase. Their employee insisted this was a case of FRAUD, to which I strongly objected. Nevertheless I was told my only recourse was to file a fraud complaint. 

I filed a complaint and was told my claim was UNTIMELY because they considered it fraud. Again, as a SAVINGS account customer, I am not supposed to have to look for CHECKS clearing my account. 

In XXXX XXXX Chase bank LOST my tax refund check ( almost $ XXXX ) which I had deposited at an ATM with a DEPOSIT slip. Rather than deposit the check, it was rejected for no reason I was able to ascertain over the phone. And so on XX/XX/XXXX I went to my branch to find the check and also to address their egregious error in handling my savings account. I left that meeting with no progress in locating my check ( which has now been missing for two weeks ) and a new complaint filed on my behalf to get my {$460.00} back. 

I checked on the complaints filed the following week by telephone as I was out of town. I was assisted by XXXX XXXX over the phone. No closer to a resolution, I now file this complaint. For mishandling of my savings account and mishandling of my tax refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/2024 I received communication from Sofilending that I had an escrow shortage in the amount of {$930.00}. I was given the option of paying this shortage in full or having it divided between 12 monthly payments added to my monthly statement. On XX/XX/XXXX I paid the escrow shortage in full. I checked a box that specifically stated " Escrow Only ''. I am able to see that Sofilending received this payment, however to date It has not been added to the escrow account and was not reflected on the monthly payment which has increased. Messages I have sent the company have so far been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are XXXX addresses on my trans union credit report that are not mine, and never were. There is XXXX XXXX negative reporting, that should be off, It's over 14 years. There is also things that were applied for and are not mine. My social security card was stolen.

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 2024-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I purchased a wig via XXXX and I used Affirm as my method of payment for the wig. The loan was approved and the wig was received. Upon receipt of the wig, it did not meet the quality nor fit the website description. I contacted XXXX and returned the wig. XXXX stated the wig was received and informed me they issued a credit of {$100.00} to Affirm on XX/XX/year>. I called XXXX weekly to confirm the wig was returned/received. XXXX confirmed the refund was processed and informed me it could take up to 45 days for a credit to appear. On day XXXX I called XXXX and they provided the return code provided to Affirm. I called Affirm and they refused to verify receipt of the return and would not accept the return code via telephone or email. I opened an online case with Affirm and they are referring me back to the XXXX which is XXXX. At this point, I am paying for an item that was returned to the merchant XXXX, and Affirm has received a refund from XXXX. So I guess double dipping is a deceptive yet lucrative source of revenue for Affirm.

Company response to consumer: Closed with explanation