vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: WA

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 : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the Law offices of XXXX XXXX XXXX and associates. 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as Chase now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern. 

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received. 

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I transferred money from my account on venmo to my freind its failed and said when i mail them if it's at least return my money back they responde with u had to be had a id from usa as that u from begging u allowed to do an account now i can not transfer money or take it back the account froozen and tell me it will like that for 180 days im here for vacation and transfer money to my freind as i want my money back i had no idea what's wrong with that application

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital one 360 checking account had my account restricted for use. XXXX settlements made 2 deposits on XX/XX/2024 into this account based off information I had submitted 2 years ago. I called capital one 360 checking on XX/XX/2024 asking for them to return the funds either to me or to XXXX settlement. XXXX settlement paid me for a claim from 2 years ago that was going thru the legal system. I won the settlement against XXXX. So they deposited 2 payments in the amount of {$92.00} into the capital 360 checking not knowing that my account had been restricted/closed. Capital one says they are entitled to keep those funds because my account was negative, however I had a payment plan in place for that already. XXXX settlements said I had to go thru capital one in order to get those funds either returned to them or to me. Which Im going in circles and no one can help me. Can someone please advise me on this situation. I could have fed my family or had my car repaired. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
on XX/XX/ I called Bank of Hawaii credit card department to verify the scheduled payment to my account because of a credit on a refund from XXXX XXXX XXXX. 

Balance due prior to the refund was {$4000.00}. and scheduled to be paid on the XX/XX/XXXX XXXX XXXX 

I was informed that the refund of {$1400.00} from XXXX would reflect the scheduled payment and " No more then the balance on the card could be paid legally on a credit card and I need not worry ''. 

On XX/XX/ I checked the balance on my checking account and discovered that BOH charged my checking account the full {$4000.00}. 

When I call BOH to get a refund I was told that the earliest I could get a refund would be 7 to 10 days by mail. Unacceptable since I had other schedulded payment due. 

With no concern I was told that mailing the refund was the fastest way to recieve the refund. 

This is a hardship that I will have to figure out with the lease of care by BOH.

Refunds should be applied a lot sooner. I was told that if I went to BOH and withdrew {$1200.00} cash from my credit card, which is a crediton the card, I would be charged fees. 

I am left to deal with this on my own ; refunds should and with todays technology can be applied. 

As a long time account holder with BOH, I am upset that they took the " I don't care attitude ''. 

Most sincerely, XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-01-09 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: AZ

Complaint narrative:
I called Transunion on XX/XX/XXXX and also XX/XX/XXXX and spoke to representatives about the generic letter that I received about my disputes. The letter stated that it appeared that an unauthorized third party company sent a letter to them. I called and talked to XXXX the supervisor from XXXX in the specialized fraud dept at XXXX XXXX. I explained to XXXX that it was in fact me that sent in all of those documents and he still told me he couldn't help and I would need to send them all back even though they have all of the documents that I sent. He stated I could be a third party person and I assured him I wasn't. I even told him he could verify me again and he said he couldn't help. As a consumer this is very frustrating and against my rights according to the 1978 FDCPA 15 U.S.C. 1692-1692P.

I also sent them my police report and my FTC report which shows fraud from the accounts that I've disputed. I asked Transunion to validate the fraud accounts to no avail. FCRA 605B ( 15 U.S.C. 1681C-2 ) was also submitted to block these fraudulent accounts along with fraud inquiries, bankruptcies, and address. The accounts are hindering me from obtaining credit and housing.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
They sent my card 2 months late and statement same, then they charged me interest and late fee. and reported me to the credit bureaus. When i got the mail I paid in full. But I had to call them several times just to get the card and statement. However they havent processed my multiple requests to write off interest and late due to no fault of my own. They are also very rude and today hung up on me. 
I need refund of interest/late and rectify credit bureau note of late and appology also compensation for the increase in my XXXX XXXX due to negligence and bully causing damages

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
They sent my card 2 months late and statement same, then they charged me interest and late fee. and reported me to the credit bureaus. When i got the mail I paid in full. But I had to call them several times just to get the card and statement. However they havent processed my multiple requests to write off interest and late due to no fault of my own. They are also very rude and today hung up on me. 
I need refund of interest/late and rectify credit bureau note of late and appology also compensation for the increase in my XXXX XXXX due to negligence and bully causing damages

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: NY

Complaint narrative:
They sent my card 2 months late and statement same, then they charged me interest and late fee. and reported me to the credit bureaus. When i got the mail I paid in full. But I had to call them several times just to get the card and statement. However they havent processed my multiple requests to write off interest and late due to no fault of my own. They are also very rude and today hung up on me. 
I need refund of interest/late and rectify credit bureau note of late and appology also compensation for the increase in my XXXX XXXX due to negligence and bully causing damages

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as XXXX now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern.

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received.

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status.

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: PA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2024-01-09 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: PA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Purchased tickets with my Barclays XXXX Airlines MasterCard. Compensation for delayed baggage is listed as a MasterCard benefit. 

A claim must be filed in 60 days and can apparently only be done over the phone. The benefits/claims website ( XXXX XXXX XXXX ) directs claimants to call XXXX. 

I have called the XXXX number, entered my information dozens of times only to have the call pause and then drop. In the one instance I got someone on the phone ( by selecting the Concierge option instead of claims option ) the call mysteriously hung up after I mentioned wanting to file a claim. 

The www.mastercard.us chat support function also provided no actual support and just directed me to the same phone number that did not work..

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 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have requested STOP through their opt out service at least five times and they continue to contact me via text. Needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Agency did not send written notice of debt Agency made repeated harassing phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: CA

Complaint narrative:
I have been a victim of identity theft which I discovered around XX/XX/. I have notified all consumer reporting agencies with a FTC Identity theft report which listed all the accounts added to my report without my knowledge. Some of the items were removed and some were not. The situation has caused my own banking privileges to be dramatically downgraded and created a storm of financial complications, unknown collection accounts and debt which is now attached to my name. The consumer reporting agencies are not exactly helping and I am unsure where to turn. I was told that it can take another 30 days for the creditors to respond to my disputed accounts on top of the previous 60 days which is unacceptable and even uncertain. I am completely blinded by the situation and unsure how to remedy the problem. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: CA

Complaint narrative:
I have been a victim of identity theft which I discovered around XX/XX/. I have notified all consumer reporting agencies with a FTC Identity theft report which listed all the accounts added to my report without my knowledge. Some of the items were removed and some were not. The situation has caused my own banking privileges to be dramatically downgraded and created a storm of financial complications, unknown collection accounts and debt which is now attached to my name. The consumer reporting agencies are not exactly helping and I am unsure where to turn. I was told that it can take another 30 days for the creditors to respond to my disputed accounts on top of the previous 60 days which is unacceptable and even uncertain. I am completely blinded by the situation and unsure how to remedy the problem. Please help.

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 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
Company keeps calling me but has not submitted written verification of debt to validate the debt or what it is.

Company response to consumer: Closed with explanation