vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 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 extra credit union

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 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 extra credit union

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 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: NY

Complaint narrative:
Open the account up in XXXX set up direct deposit with my social security check setup that my cell phone bill automatically be paid each month on the XXXX of each month out of this account XX/XX/XXXX came took {$48.00} out of the account button didn't pay the cell phone bill had to pay the bill with another account have proof of paying the bill XX/XX/XXXX same thing happened got a copy where I had to use another account to pay bill filed the dispute they closed the dispute said they came to a resolution didn't put the money back from XXXX then put the money back from XXXX and close the account and now my money is just missing and the bill didn't get paid by them and they won't reimburse me my money I want something done about this this is probably terribly wrong and misleading as well as they said if you make if you put direct deposit in you could get over a {$200.00} overdraft fee come to realize that you got to have over {$200.00} deposit I had {$180.00} I didn't qualify doesn't matter I want my {$48.00} from XXXX and XXXX they took my money they didn't pay the bill I could prove they didn't pay the bill and the lady told me they couldn't tell me why they didn't pay the bill why they won't give me my money back and why they close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Can not get a hold of anyone on XX/XX/16. Called the number listed and no one every answered. Was on hold for XXXX hours. And called XXXX times and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XX/XX/XXXX, I signed up for a Chase business account in person with a bank representative, XXXX XXXX  This included a checking account, savings account, and chase Ink preferred credit card to help with purchases. I engaged in multiple conversations to affirm the requirements needed to qualify to the bonus and knew it to be XXXX XXXX  spend in the first 3 months as is listed on their website. 

There are multiple cards available which all offer sign on bonus, contingent on spend amounts. The Ink preferred seemed the best fit and within my reach of predicted spend so I decided on this. 

After completing the spend over the XXXX within 3 months ( XXXX XXXX XXXX XXXX I anticipated receiving my bonus points in the following statement period. I understood it usually takes an extra month to receive this so I didn't think anything of it that it hadn't appeared in XXXX, but became concerned in XXXX when I still had not received my XXXX bonus points from reaching my spend. 

I have since had 3 separate calls and meetings with XXXX to investigate including opening a case with Chase credit cards. They claimed to have sent a letter in the mail with a decision. I had not received a letter for 2 weeks and followed up with XXXX to better understand what the outcome would be. He refused to engage with me in any meaningful conversation to explain, rather deferred to calling Chase customer service and waiting on the phone with me during business hours for extended periods of time ( 30+ plus ). Once we got a hold of a customer service rep, she vaguely claimed denial with no further explanation referring to timing of the bonus spend not applying during the time I signed up. I asked for writing/further proof and explanation of this and was met with silence and we can't help you any more. I'm at a loss of explanation because I've always had such a good experience with Chase across the 6 years of business I have done with personal banking/credit cards. 
This was the first time where they didn't honor or provide exceptional customer service. I feel completely gaslit and have yet to be shown proof or fair explanation for what I was told originally when signing up for credit card and what I have not received so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PROVIDENT FUNDING ASSOCIATES
State: WA

Complaint narrative:
This is regarding the property located at XXXX XXXX XXXX XXXX XXXX WA, XXXX. {$80000.00} in insurance proceeds being held by XXXX XXXX and now Provident should have been dispersed to me when requested in the middle of XXXX. I have been waiting two months to receive the funds for a process that should have been completed within a week. For some context/background : This loan was previously with XXXX, XXXX and was transferred to Provident, XXXX XXXX. I had a burst pipe in XXXX at the house which required extensive repairs and mitigation. My insurance company ( XXXX ) wrote a check to myself and XXXX XXXX back in XXXX. XXXX then dispersed $ XXXX to me to begin the project. The project was completed in early XXXX and I paid for all remaining repairs out of pocket. I ordered an inspection through XXXX XXXX at the beginning of XXXX. It took over two weeks to even get a response from an inspector who wasnt going to be in my area until the middle of XXXX. The inspector completed the inspection on XX/XX/XXXX evidencing the project was 100 % complete and sent that report to lower. I followed up with lower a few days later to inquire about my funds and was informed, they couldnt find the inspection. After speaking with a supervisor, they managed to find the inspection and were going to overnight me my funds. Nothing arrived so after a few days I called back to then be informed they also needed an updated adjusters report as well as XXXX waivers ( without my prompting I can only assume they would have done nothing ). Both were sent to lower the same day. Adjuster sent them an email directly on the same day as well. On XX/XX/XXXX, they had everything they needed to send me my funds. 13 days later my loan was sold to Provident, still no funds sent to me. 

I now call provident and am informed that they do have my funds, but none of the accompanying documentation. I was told I should just continue to wait and eventually XXXX will send over the documents and Provident will process my payment. Obviously, that hasnt happened, and Provident has not received the documents from lower. I have called XXXX XXXX many times with no success of gathering the information required to have my funds disbursed to me. They no longer take phone calls. 
This has caused financial duress as they have held {$80000.00} in funds for over two months now in a process that should take less than a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well.

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 2023-10-16 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: OH

Complaint narrative:
I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I TALKED AND DISPUTED THE ACCOUNT WITH GENESIS CREDIT. XXXX XXXX XXXX XXXX THIS ACCOUNT showed UP ON MY CREDIT. 
I am not responsible for this collection. I spoke with them trying to solve the problem. 
This apartment was never my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: MD

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX Experian, XXXX XXXX XXXX, XXXX, XXXX Re : Demand to Comply Dear Sir/Madam, I am writing to dispute the inaccuracy of information on my credit report, as provided by your bureau. The discrepancies pertain to the following account : Creditor Name : XXXX XXXX Account Number : XXXX I have reviewed my credit report, and I have identified that the late payments associated with this account are inaccurate. 
I am requesting that these inaccuracies be removed immediately as the agencies are not complying with their policies promptly. 
By the FCRA, I am also requesting that you provide me with copies of any documentation or verification related to the disputed items. This includes details of how the information was collected, processed, and recorded. Please provide any information you have about this account. 
I kindly request that you send me a copy of my updated credit report once this dispute is resolved. 
Thank you for your prompt attention to this matter. I understand the importance of accurate credit reporting, and I look forward to your timely 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 2023-10-16 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: MA

Complaint narrative:
Capital One is bringing me to small claims court over an account I have no knowledge of. I have no account with Capital One and haven't for many years. It is not on my credit report and I would like them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
We mailed in a bank check from our HELOC ( XXXX XXXX ) for XXXX to pay down the balance. The check was received by the CC company ( Goldman sachs ) on XX/XX/XXXX. However we dont have access to the XXXX until the check clears. They will not give us access until XX/XX/XXXX. ( 9 days ). I called XXXX  today and was informed the check had already cleared. I called Goldman to let them know and they said there is nothing they can do and Im out of luck until the XXXX. Why dont I have access if the money has already left my bank account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
In XXXX XXXX, my Zelle account was suspended and I was no longer able to use it to send or receive funds. In XXXX, I attempted to find out why the account was suspended and what I needed to do to recover it. I called Zelle on three separate occasions from XXXX XXXX XXXX and durning each phone call, I was told was that the account was suspended in XXXX and I am no longer able to use the service. They were unable to inform me exactly why my account was suspended and they further stated there was no recourse or escalation process, just that I was no longer able to use the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-16 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:
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. 

Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: FL

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. 

Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I submitted 3 credit card payments for 3 different accounts. As I have done for years. The problem came about after the default setting on the credit card payment system automatically selects the first account listed on your list of accounts as a default account. If you forget to change the account selection or it doesn't register when you do change it, the payment comes out of the wrong account. I have been a Capitol One member since XXXX. I have had at least 5 credit cards with them all in good standing up until closed. Capitol One has a system that is tricky and if you don't make sure that all boxes have the correct selected info, an error can occur. When I made my payment for the month of XX/XX/XXXX. The payment was made under the wrong account. When I saw that the payment was made from the wrong account. I immediately called Capitol One and tried to get the payment cancelled. I was told once a payment is made that i could not cancel the payment. So I logged into my XXXX XXXX to transfer money into my account, I found out that my account had been closed for no apparent reason and I wasn't even notified. I have 6 accounts with XXXX and the account was closed without notification. i have filed a complaint with the OCC regarding XXXX and this matter and I am waiting for a response. In the meantime while I was out of the country for a week, Capitol One called this fraud and closed my accounts that were all in good standing. This is the second time I have had a problem with their faulty system. There are several accounts listed that I use to pay all my bills and the first one listed is the default account. The fact that this has negatively impacted my credit rating is absolutely ridiculous. I have paid my bills on time and yet because of an error on 1 account, which I called them about, Capitol One closed all 3 of my credit card accounts, which has negatively affected my credit rating. I will also be sending a letter to my congressman because this usually gets nothing done about the situation at hand!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In accordance with The Fair credit reporting act account name XXXXMIDLAND CREDIT MANAGEMT has violated my rights. 15 USC 1681 section 602 States I have a right to privacy. 15 USC 1681 section 604 A section 2 States a consumer reporting agency can not furnish any account without my written instructions. 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. This company keeps updating my info plus {$1.00} minus {$1.00} making my credit score go down every time. This company said there deleting this and it's still on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been sending out my disputes to Equifax to put my correct and updated Information on my report. I have informed them that somethings were wrong and that needed to be removed Immediately. Im also trying to get a car and house and these negative and inaccurate information being reported are really stopping me from doing that. I never gave amyone permission to report thess negative and inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
My dad put a car in my name using a loan from Santander Consumers and a settlement letter was sent to my home regarding this and said I must pay XXXX immediately. I explained to the consumers that I had nothing to do with it. I even told them that the information they had had wasnt even have the correct information on the mailing envelops so I never even saw or took the letters seriously ( BOTH MY NAME AND ADDRESS APT NUMBER WAS MISSING ). I even reached out to my dad who I asked to please get this vehicle out of my name and he stopped responding to me. XX/XX/XXXX I paid Santander Consumers after explaining to them as well that I was not involved in this but Ill do what I can just to get this stuff off my credit. I never in my life had a vehicle or even know how to or what to do to purchase one.

Company response to consumer: Closed with explanation