vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am writing to address a serious non-compliance issue concerning your failure to provide me with the initial and annual Consumer Personal Financial Privacy Policy Notices as required under the Gramm-Leach-Bliley Act ( GLBA ). 

The GLBA mandates that financial institutions, including debt collectors like Portfolio Recovery Associates, must deliver privacy notices to customers both initially and annually in writing. These notices are essential to inform consumers about how their non-public personal information ( NPI ) is collected, used, and protected. 

As a consumer, I have never received any such privacy notices from your organization. This lack of compliance violates the GLBA privacy rule, which applies broadly to financial institutions that provide services to individuals engaged in financial activities. This category includes banks, debt collectors, mortgage lenders, and similar entities. The confidentiality of NPI is paramount, and your failure to provide these notices undermines this principle.

According to the GLBA, non-compliance carries significant penalties : Financial institutions can be fined up to {$100000.00} per violation. 
Officers and directors can be fined up to {$10000.00} per violation. 
Individuals can face imprisonment for up to five years for serious violations.

In light of this non-compliance, I demand the immediate removal of the account associated with Portfolio Recovery Associates from my consumer report. Failure to address this issue promptly will leave me with no option but to file a formal complaint with the Federal Trade Commission ( FTC ) and NJ STATE ATTORNEY GENERAL, CONSUMER AFFAIRS pursue the aforementioned penalties and damages. 

Please provide a written response confirming the removal of the account from my consumer report and detailing the measures Portfolio Recovery Associates will take to comply with GLBA requirements. Your prompt attention to this matter is essential to avoid further legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint against Chase Bank regarding the denial of my Chase Visa Signature Business Card application. 

On XX/XX/year>, I received a denial letter from Chase stating that my application was denied solely due to a past bankruptcy. The letter explicitly states, " Your credit report reflects a bankruptcy. '' This decision appears to have been made without considering other critical financial factors such as my high income, low debt levels, and fair credit score. 

Under the Equal Credit Opportunity Act ( ECOA ), creditors can not deny credit solely on the basis of a past bankruptcy without considering the entire financial profile of the applicant. The denial letter from Chase does not indicate that any other financial factors were taken into account, suggesting a potential violation of the ECOA.

I request the CFPB to investigate this matter and ensure that Chase Bank complies with the ECOA. I have attached the denial letter from Chase for your reference.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Sallie Mae sold my loan to Navient is the first problem. The original loan I applied for from Sallie Mae was for {$40000.00} when Navient gave me details of the loan the original amount showed {$43000.00}, and I have been in an interest-only rate reduction plan since I began making payments on the loan through Navient in the year of XXXX. I have paid interest for 12 years and the principal balance has not moved. The balance on the paperwork from Navient was {$82000.00} unpaid principal balance before payments began on XX/XX/XXXX and on XX/XX/XXXX the unpaid principal balance was {$87000.00}. By the way, my payments started at {$640.00} a month and in XXXX they were {$670.00} a month. Fast forward, to XXXX my balance is approximately $ XXXX, and monthly payments are {$680.00} for now. Navient sent me an email on XX/XX/XXXX stating that my payment on XX/XX/XXXX, would be {$1700.00}. 

My question to the Republicans, the Democrats, the XXXX, and the XXXX is how am I ever supposed to pay off a debt that is continuously changing like this, and none of the payments are going toward the principal balance? Remember that I am placed on an interest rate-only reduction program/plan with the interest continuously added to the principal balance. 

In the meantime, the Republicans and the Democrats are in XXXX discussing everything but the ROBBERY of hardworking clients by Navient, and the XXXX is funding a WAR in my opinion with the interest-only funds that I am paying Navient. 

XXXX!!!! XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST HORIZON BANK
State: OR

Complaint narrative:
I've had this credit card for over 35 years and it's been sold around a lot. The current interest rate I have ( grandfathered in ) is 14 %, which makes it attractive for me to keep and for the company that owns it not attractive. 

When it was most recently purchased by 1st Horizon Bank, I asked how to make online payments. I was told to open a checking account with the bank which is based in TN. I did not wish to do so, so have been using the pay-by-phone feature, which frankly seems rather XXXX century, but whatever. 

Now, more recently they have updated their payment terms / system and when I call in I receive a 'we can not make a payment on this account, please wait while we transfer you ' and then the call hangs up. Additionally, I think if you choose to pay over the phone with a representative, they charge a fee, which - no way. 

so am I left to only pay via paper check and mail? 

I get the sense that this company wants me and my 14 % interest rate card to take my business elsewhere. I, on the other hand, would like to continue to use this card to my benefit. But I do need to find a way of making payments somehow. And not have the. phone system randomly hang up on me or refuse to take my money. 

when I called a 4th time just now, it said today is not a day where customer services reps are available. Great. Fun.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, XX/XX/year> and XX/XX/year> Jp Morgan Chase Bank charged me {$34.00} overdraft fees totaling {$100.00}. Ive banked with them for over 12 years and believed I had overdraft protection on, I was still charged overdraft fees, I had autopays for bills that came out unbeknownst to me and they charged me excessive overdraft fees. I have added money to my apple wallet and instead of not adding the money to prevent overdraft they allow it than charge me overdraft fees too. I have financial hardships and they continually charge me overdraft fees to make my situation even worse. Ive asked them to waive fees through their help phone and secure message center and they deny refunding the excessive overdraft fees. This is not right and I am considering using other financial institutions that do not charge or take advantage of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a wire transfer from a friend, which was successfully cleared. After spending a portion of the funds and making a withdrawal, Citibank unexpectedly initiated a verification process for the funds. Despite my friend 's bank confirming the legitimacy of the transfer, Citibank proceeded to randomly close my account, retaining the remaining balance, even after the verification was completed.

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 2024-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
As both a parent and co-signer on my daughter 's loan, I've received notification that there remains a balance of {$4500.00}. Despite numerous phone calls and letters to Sallie Mae, the loan servicer, they insist the balance is outstanding. This loan was discharged through XXXX XXXX  bankruptcy, a fact I've communicated to them with supporting documentation sent to multiple addresses. Additionally, I've sought legal assistance, resulting in a letter from my lawyer reiterating the loan 's discharge. However, Sallie Mae maintains that while payments were made, the balance persists. I possess detailed records, including a balance sheet and proof of payment dates and amounts, which were forwarded to Sallie Mae. Furthermore, I've received confirmation from the court 's paralegal that the balance has indeed been settled in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: IN

Complaint narrative:
I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.

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 2024-06-01 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: IN

Complaint narrative:
I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.

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 2024-06-01 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on time.

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 2024-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: GA

Complaint narrative:
To Whom may concern, I am writing to formally dispute the validity of the debt referenced in your recent communications. Furthermore, I am concerned that your collection practices may be in violation of Federal law, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) and 12 CFR 1006.34 ( d ).

Violation of 12 CFR1006.34 ( b ) ( 5 ), According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to provide me with detailed information about the debt, including the name of the creditor to whom the debt is currently owed. Your initial communication failed to include this critical information. This omission hinders my ability to effectively verify and address the debt.

Violation of CFR 1006.34 ( c ) ( 4 ) ( 1 ) : You must clearly state the amount of the debt, including any interest, fees, or other charges, and explain how these amounts were determined. The communications I have received from your agency have not provided a clear breakdown of the debt amount making it impossible for me to understand the basis of the alleged debt.

Violation 12 CFR 1006.34 ( d ) : Stipulates that you must provide the consumer with a notice of their rights to dispute the debt and request the name and address of the original creditor if different from the current creditor. I have not received such a notice, thereby Impeding my ability to exercise my rights under the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) In light of these violations, I demand that you cease all collection activities until you provide the following : Name of the creditor to whom the debt is currently owed. 
A detailed and itemized statement of the debt including interest, fees, and other charges. 
A notice of my rights to dispute the debt and request the name and address of the original creditor Please treat this letter as a formal dispute of the alleged debt and a request for validation as required by law. I expect a response within 30 days of the receipt of this letter Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: GA

Complaint narrative:
I reviewed my XXXX XXXX and noticed and XXXX late payments on an account that I was never late for. XXXX XXXX agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late for payments for the account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on-time as they should be, as I was never late. I requested statements on XX/XX/year> and XX/XX/year> proving that I was late. This company has repeatedly failed to rectify the situation, promising that they would fix this. Thank you

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 2024-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: ID

Complaint narrative:
I had purchased XXXX XXXXXXXX XXXX from the XXXX store when I transferred service from XXXX. Doing so, I was informed my bill would be {$0.00} for the XXXX XXXX due to a promotion when in fact my bill ended up being {$20.00} per watch per month. I returned the watches. After doing so, I was still being charged so I complained to customer care and they assured me that I would not be billed any longer. They credited my account and we moved on. In XXXX I decided to switch back to XXXX and upon doing so, they closed my account out and charged me {$260.00} for equipment. I called them and they told me it was for the XXXXXXXX XXXX. I informed them those were returned a long time ago but they did not care and continue to bill me for them. I have not had a single derogatory mark on my credit in a decade. If I actually owed the {$260.00} I would have just paid it. Its the principle for me. I do not owe this debt and I will not pay it. The store rep that took my return was named XXXX at the XXXX location off XXXX XXXX. I called the store to get things solved and they told me I have to go to customer care. Customer care just directs me back to the store and its a never ending loop. Im sick of dealing with it and Ive already disputed and had the charge removed from my XXXX and XXXX but XXXX keeps reporting. XXXX XXXX XXXX is the debt collector on behalf of XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: TX

Complaint narrative:
XXXX  XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXX XXXX  Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, XXXX XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX TransUnion XXXX TransUnion XXXX XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )

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 2024-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXX XXXX  Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, XXXX XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Equifax are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: MI

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX  This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXXXXXX XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXXXXXX XXXX XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX XXXX Experian, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX my friend sent me {$300.00} on Venmo without purchase protection. My account was immediately frozen. I called the next day and it was because there was a - {$15.00} balance and I needed to pay back the funds. usually venmo will take it out of the balance, but this never happened. the person i spoke with on the phone said they have an error on their end of the system and they have to forward it to their engineers to fix. it is now XX/XX/XXXX and i have rent due, still no fix. They have stopped responding to my emails and can not give me a phone number for anyone actually " working on the problem '' I can not access any of my funds right not.

Company response to consumer: Closed with non-monetary relief