vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Please see last complaint filed and Citizens bank responded stating to send an email to XXXX. I called and spoke to XXXX XXXX and my call was recorded. Her supervisor XXXX. XXXX XXXX which is his real last name. Not XXXX. I have also filed a complaint with the XXXX XXXX XXXX XXXX. My evidence is undisputed. Citizens clearly does not want to assist because they are putting a personal biased against me and violating so many banking practices. I have been trying to receive assistance. I emailed as per the letter that will be attached and my emails to show the clear unsound business practices being committed. I paid what I could and reported me late with many late charges that the CFPB capped late charges. Clearly my evidence shows this bank does not give hardship assistance. A scam. 
Also, XXXX XXXX is not employed at Citizens. Yet all the letter have his name. He was contacted. I will be forced to do a XXXX  XXXX. 
All my creditors provided financial assistance. this bank forced me to hire a consumer lawyer when I am in serious financial restraints to contact XXXX XXXX at the OCC to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are several fraudulent inquiries showing on my credit report. I did apply for some cards around this time, but these were not any that I applied for. 
Equifax is fraudulently reporting : XXXX ( XXXX ) on XXXX ; XXXX XXXX XXXX  XXXX on XXXX ; XXXX XXXX XXXX on XXXX. 
XXXX is fraudulently reporting : XXXX XXXX on XXXX. I have reported these to the credit card companies as well as to Equifax and XXXX, and was told on XX/XX/year> to report the fraud through the FTC, which I have done, as well as report here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX  - XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX  - XXXX {$950.00} XXXX  - XXXX XXXX - XXXX {$1100.00} XXXX XXXX - XXXX {$380.00} XXXX - XXXX d {$350.00} XXXX XXXX XXXX - XXXX {$570.00}

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX  - XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX  - XXXX {$950.00} XXXX  - XXXX XXXX - XXXX {$1100.00} XXXX XXXX - XXXX {$380.00} XXXX - XXXX XXXX {$350.00} XXXX XXXX XXXX - XXXX {$570.00}

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 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CT

Complaint narrative:
I am a natural person, i attempted several times to resolve the issue nothing was done. I am a living human being and I have rights under 15 USC 1681. XXXX, XXXX and XXXX is governed by 15 USC 1681 and they've violated my rights numerous times. My personal information has been exposed in breaches, and information inaccurately and unlawfully reported. According to 15 USC 1681 I have a right to privacy and I never gave XXXX  written or oral permission to furnish these accounts. I demand these accounts listed below are removed from my credit report immediately

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 2024-06-14 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: 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 : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX 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 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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-06-14 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: GA

Complaint narrative:
My Name is XXXX XXXX. I am submitting this request without any influence from any party or agency. Please see attachments/ attached documents and ID as it contains my full complaint and request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: CA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: CA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
I received the {$41000.00} check from the United States Department of the Treasury. Government checks are to be made payable upon demand and are insured by the United States government. XXXX XXXX  received the check and Cashed it and deposited the funds into the account, But said the funds would not be available for 5 days. The online system showed the funds available the very next day as is the law, I didn't notice it until 2 days later, and at that point, XXXX XXXX  placed a hold on the funds without providing any notification, any warning, any explanation. 

I complained to XXXX XXXX, they contacted the US treasury, told them they believe that the transaction was fraudulent, based on no evidence, based on no information, only based on the fact that I complained! These intelligent creatures in retaliation that this and attempted to cause me great distress. This was a business account that these funds were being deposited into, dealing with a trust, they are liable for the total amount plus damages, at the very least and they have not made any compensation. 

Because of the complaints made to U.S. Bank they decided that they were going to terminate both accounts, the personal account and a business account, these are 2 separate accounts, they terminated him at the exact same time, when the only issue was with the business account. They violated their own policy, which incorporates an arbitration agreement for any and all disputes!

The law that allows financial institutions such as, U.S. Bank, to be the custodian over accounts, does not give them the right and/or the authority to shut down account simply because, even if it is within the contract, because it operates as an unconscionable clause! The first amendment to the Constitution for the United States of America guarantees every person in the borders of the United States and within their territories, the right to petition for a redress of grievances, which means that there must be an appeal process! This is primarily the reason for the creation of the administrative procedures act, which requires all corporations and agencies and/or departments of government to have an administrative procedure for processing appeals. Shutting down account, simply because, for any reason whatsoever, without the right to an appeal, is a violation of the administrative procedures act for which U.S. Bank is bound and party thereto! 

This violation only violates constitutionally secured rights but also administrative procedures, and is therefore unlawful. They are liable for the full {$41000.00}, plus the {$10000.00} worth of legal expenses, reestablishing of both accounts, And a formal apology which is unconditional!

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 2024-06-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I submitted a complaint ( XXXX ) against PHH Mortgage Services on XX/XX/XXXX. They responded XXXX. I thought that the response was inadequate and full of fluff as I stated in my feedback dated XX/XX/XXXX. While checking my email today, I noticed that I received an email from my credit protection team. Per the email, XXXX reported a negative change in my credit report, which may be associated with a late payment. The creditor is PHH Mortgage Services stating that I have a Negative Account Change. This was reported on XX/XX/XXXX. 

PHH Mortgage Services stated that they are no longer my mortgage company after XX/XX/XXXX. When I contacted PHH Mortgage Services ( XXXX ) XXXX on XX/XX/XXXX, at XXXX, I spoke with a young lady. The call lasted XXXX minutes and XXXX second according to my phone information. I told her who I was and gave account information. She said, " Your account has been transferred to XXXX XXXX XXXXXXXX and to call them for account information. '' At XXXX, on the same day, XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX. I spoke with XXXX XXXX for XXXX minutes and XXXX seconds. She said that they would be sending me a packet and that no negative information would be reported for 60 days while they work on transferring my account. As of today, I do not have the packet she said would be sent out on XX/XX/XXXX. 

There was no discussion about anything except to contact XXXX I do not want to waste any more time, so I'm asking Consumer Financial Protection Bureau for next step ( XXXX ). PHH Mortgage Services was a nuisance from the start, and they were unable keep up with my mortgage payments properly and I feel that they have an erroneous system for charging fees to their customers. There is no way that I can do ( XX/XX/XXXX to XX/XX/XXXX ) another 5 years dealing with a ( debt collector ) fake mortgage company. 

At this time, I would like to know who I can elevate this issue with. Should I just get an attorney. I have moved on and ready to start with XXXX XXXX XXXX. I want my freedom back, because there is no freedom when dealing with a rogue entity like PHH Mortgage. I did not ask for their service and this is the problem when a company sell your contract to another. Especially when you do not know if they are any good. 

Sincerely,

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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