vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: PA

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.

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 non-monetary relief
Consumer complaint received 2024-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ CAPITAL ONE ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ CAPITAL ONE ] for violating my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
Robo calls from portfolio associates inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
JP Morgan Chase Bank offers ( Basic Checking ) accounts. Monthly fees are {$12.00} per month. Incoming Wire Transfer fees for certain accounts are {$15.00} per wire. ATM fees {$3.00} per transaction. 
Monthly fees are compounded by Chase Bank account can be {$12.00} -- up to {$100.00} per month. Depending on how many wires, ATM transactions ( non-Chase ) ATMs. JPMorgan Chase Bank account will overdraft account given fees collected. Incoming wire transfer fees are an unfair practice to the basic checking account holder. The wire transfer sender has paid a wire fee on their end to the payor bank. Consumers are being subjected to remit fees immediately and may cause overdraft or returned checks, declined debit/credit purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: KS

Complaint narrative:
On XX/XX/XXXX i found my debit card was shut down. I looked on my mobile app and discovered a fraudulent withdrawl of {$1800.00} on my account. I still had funds, but the bank for some reason shut down my debit card. I called fraud line and was told to go into local branch the next morning to file written notice and open a new account. I did this on the XXXX of XXXX. ( US BANK ). I have gon back to the branch and talked with Fraud line. Both are telling me it could be up to 3 months to get my money back into my account. The money was taken out at a XXXX branch with a withdrawl slip. The bank had to think something is wrong wwhat other reason would they shut down my account? I dont think i should need to wait 3 months to get my " protected '' money back.

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 2024-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My sister and I co-own a house which we rent. I started the application process for a savings account with Everbank. This was a joint account. My sister and I have different domicile addresses. The application did not allow for me to put in an additional ( her ) address. 

Everbank requested proof of her address. She provided proof of her address via an email attachment of her driver 's license image. They stated she need to provide proof of the address that was used for the application ( my address ). She explained to them that this was a joint account between siblings with different addresses and would that be a problem. 

The next correspondence she received from the application processing center was that the application was being cancelled. That was over a 30 day period. During that period, my sister had created her own Everbank login with access to the account. 

During that 30 day period, I moved all the money from our existing checking account ( XXXX XXXX  ) to Everbank. This was done apparently while the application was still not approved. Then I received an email on XX/XX/2024 that the application was being cancelled due to missing information. This is a catch-22. There is no way my sister could provide proof that she lives at my address because she does not. That was the point of the joint account with different addresses. 

I spoke to a supervisor at Everbank who assured me that it was possible to open a joint account where the account holders have different addresses. Based on my experience, that is not the case. 

I received no communication about what the disposition was for the funds that were in our Everbank savings account. I had to call and ask. That is beyond unacceptable. If they are going to close an account with funds in it, they must specify what will happen to those funds and when that will happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My bank chase denied my dispute, when i provided them evidence for the dispute, they did no care about looking into my problem, they just dont care. 

Im disputing a transaction for the amount of XXXX, a company did work on my car and put incorrect parts on my car not as descrived, i contacted chase to open a dispute and they dont care. Claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NJ

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report COMMENTS from ( XXXX, XXXX XXXX EQUIFAX ) Payment History ( XXXX & EQUIFAX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I would like to make a formal complaint for Medical Revenue Services, also known as XXXX XXXX XXXX. This debt collection agency has been calling me from my place of employment at least 15 times per day ( I have phone records to show ). I have reached out to them multiple times to request that they seize all phone communications and asked to send any correspondences to my home address. I let the agents know that this was my work number, and the amount of calls that I was receiving per day is disruptive and compromising my job. One of the agent even stated that she saw the account was noted no contact and did not know why I was been contacted so many times. I asked them to remove my work number from their list and reiterated that they do not call me at work. Presently, I am still getting calls at work, multiple times per day and still being harassed. 

Their address is XXXX XXXX, XXXX Alabama XXXX XXXX Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was excused in making payments because I signed forbearance agreement with TD Bank. 
Please Correct this inaccurate information on my credit report. 
Account name - TD BANK N.A. 
Account type - Mortgage Date opened- XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One sent me an offer to the balance during the COVID pandemic. I paid the balance. It was XXXX. The reported to the credit bureau a balance of XXXX. 
They also sent me a XXXX tax liability to for the amount I paid which was the XXXX for XXXX  taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Reporting incorrect personal information : Reporting multiple incorrect addresses on my credit report : The only addresses that should appear on my credit report are the following, all other addresses are incorrect and create a compromise in my report security.. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I only have one name and the credit bureaus are reporting several. The following is my exact name as it should appear on my credit report, all others compromise the security of my credit report : XXXX XXXX XXXX My credit report is showing associated with someone name XXXX XXXX and this should not be the case. My Spouse 's name is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Reporting incorrect personal information : Reporting multiple incorrect addresses on my credit report : The only addresses that should appear on my credit report are the following, all other addresses are incorrect and create a compromise in my report security.. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX I only have one name and the credit bureaus are reporting several. The following is my exact name as it should appear on my credit report, all others compromise the security of my credit report : XXXX XXXX XXXX My credit report is showing associated with someone name XXXX XXXX and this should not be the case. My Spouse 's name is 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 2024-02-22 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Had fraud on my account where a new card was sent to two different addresses that were not mine. Company would not correct and closed my account for no reason.

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 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: CA

Complaint narrative:
We requested a payoff statement from Selene Finance on XX/XX/year> via email to XXXX. Two days later we received an email back stating they could not find a valid account number with the property address given ( which was correct ). I replied to customer service on XX/XX/XXXX with a valid loan number for this property, still haven't received a payoff. Then, on XX/XX/XXXX, the escrow officer handling the sale of this property asked for the payoff again, so we called their customer service at XXXX PST by phone at XXXX and could not reach anyone due to " high call volume '' and no way of leaving a message. In doing so, the answering system gives a different email address for payoff requests so we emailed them at XXXXXXXX XXXX another request ( payoffloanadvisorgroup.com ). They emailed me back at XXXX PST saying they would forward the request to customer service! Around and around in circles we go!!!! I called in again this morning around XXXX PST, spoke to an agent who assured me they would send a payoff within 1 hour. Now almost 4 hours later, nothing has been received. We are scheduled to close escrow in five ( 5 ) days and can not seem to get any resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: IL

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota is reporting inaccurate information on my credit reports which I have disputed with XXXX, XXXX, and XXXX and have been doing so for months now. They are reporting this account as a charge off after they reported it as a repossession. This negligence on their part has caused me to be denied for federal employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: VA

Complaint narrative:
By 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. 

The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX  # REF : XXXX 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I tried to file a dispute over the phone an the representative gave me a really hard time he talked down on me the entire time while also calling me names he also stated that he could tell I was XXXX by my tone of voice an suggested XXXX people only file disputes because were poor. This all took place on XX/XX/24 around XXXX I called back trying to get information on the representative however the new agent said she couldnt give me any information an that I needed to report the entire company.

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 2024-02-22 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: PA

Complaint narrative:
EXPERIAN, XXXX, & XXXX are willfully non-complying with the FCRA, Violating my consumer rights and effecting my credit worthiness by reporting inaccurate information to my consumer credit report. XXXX has reported my account as delinquent and CRA 's have not validated alleged debt. When investigating the CRA only contacted the furnisher of the debt & that is a violation pursuant to 15 USC 1681s. Adverse action may not be taken 15USC 1692e. 16 CFR 433.2. I am the agent to these principal accounts.

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 2024-02-22 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NJ

Complaint narrative:
CASTLE CREDIT CO HOLDING Account type - Home Imp Loan Date opened - XX/XX/2022 Above Account created under CASTLE CREDIT CO HOLDING without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 UCS 1681s-2 - a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that in formation is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
The XXXX at XXXX is attempting to collect a fee from me as a co-signer on a XXXX apartment rented by my daughter from XX/XX/XXXX- XX/XX/XXXX. The company is claiming {$34.00} in service fees for trash not removed from an exterior apartment trash can at the time of move out, as well as a scratched leather surface on a couch. The exterior trash in question was located in a common area, and was not from myself or my daughter ( co-signee ). Additionally, the scratch on the leather couch was already on the furniture prior to move in, and was annotated on the move in checklist at that time. Additionally, the XXXX at XXXX had the option to deduct this {$34.00} fee from the security deposit provided, but failed to do so. I have communicated this to both the XXXX a XXXX, as well as their subsequent debt collection agency ( Columbia Debt Recovery ). This collection effort appears to be an attempt to collect small amounts of payment from otherwise unknowing college students, in an effort to maximize profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: AL

Complaint narrative:
in accordance with the fair credit reporting act this creditor ( XXXX, equifax and XXXX  ) has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: AL

Complaint narrative:
in accordance with the fair credit reporting act this creditor ( XXXX, XXXX and experian ) has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under a 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