vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I write to share a bad experience I had with Bank of America several days ago. 
On Sunday XXXX XXXX at around XXXX I called Bank of America to make a payment on my credit card as I do every month. A payment of {$500.00} was made on an account with a remaining balance of {$5400.00} and a credit line of {$31000.00}. Several hours later I checked my email and saw that my transaction confirmation was received, and was incorrect. BoA 's automated system had mistakenly charged my account the entire balance of {$5400.00}, not the {$500.00} payment I had requested. Immediately I called BOA to apprise the bank of its error. It took nearly 30 minutes to be connected to someone, a real person, to explain the situation and ask to have it corrected. That person was a supervisor, XXXX # XXXX. Despite my protest and request that the tape be played to ascertain if I was correct about the amount to be paid, I was repeatedly told nothing could be done for 48 hours. That was the system and it could not be altered, I was told quite emphatically.

Yesterday, 48 hours later, I called the bank 's credit card division to get the error corrected. After 20 minutes of trying to follow-up and find a person to deal with, I connected with XXXX. I explained the situation. The tape of the original call from 2 days earlier must have confirmed the bank 's error. I was told that {$5400.00} would be returned to my ( checking ) account within 10 business days. Again I protested : why not wire the funds into my account immediately. No it can't be done that way I was told, and no apology for the error was received. ( Had the situation be reversed, I would have been charged a large penalty for my error. ) Fortunately, I had adequate funds to cover the withdrawal. Had that not been the case, a troubling series of events would have occurred. Although I've paid my account this way -- through the automated XXXX XXXX XXXX for decades, it was the first time an error was ever made involving my account. Nonetheless, I still wonder how often this exact situation occurs with other BOA customers. I suggest the CFPB check around to ascertain how widespread a problem it is, if it's a problem at all, as any snowball effects could damage someone's credit. Further, I ask that you checkout BOA 's automated phone system and try to connect with someone. Good luck, it's a challenge. 
PS. I intend to sent this same email to BOA CEO 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 monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

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 : Capitol One # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 it also state a consumer agency can not furnish my account without my written instructions.

15 usc 1666B a creditor may not treat a payment on a credit card on an 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
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 
XXXX. XXXX, XXXX, XXXX XXXX  and XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 16 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. 15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 
XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 16 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. 15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 an account without my written instructions

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUOFF MORTGAGE
State: IN

Complaint narrative:
I was on a repayment plan with Ruoff Mortgage. Repayment plan started XX/XX/XXXX and ended XX/XX/XXXX payments were in the amount of {$1000.00} each month. Each payment cleared our bank account : XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX. At this point all repayments are made. I then received a letter dated XX/XX/XXXX stating my loan is delinquent. On XX/XX/XXXX I called XXXX XXXX XXXX was informed my account was 2 months behind. XXXX XXXX I sent an email to XXXX my loan officer asking for help, I included my payment history and proof from bank. This request was forwarded to Ruoffs Service Loan Care Department, I spoke with XXXX at XXXX XXXX XXXX he tried to assist me for almost 6 weeks. He also was unable to obtain assistance from Ruoff Service center - XXXX. XXXX XXXX XXXX. XX/XX/XXXX I called XXXX spoke with XXXX he agreed payments had been made after review of my documentation. He was sending emails to the department that completed my repayment plan and to payment repayment review. I was to receive a follow up call XX/XX/XXXX. As of XX/XX/XXXX I had not received a return call. I have called XX/XX/XXXX spoke with employee # XXXX verified payments made but no changes to account and no new notes on file. XX/XX/XXXX I called spoke with XXXX XXXX no new updates on account. XX/XX/XXXX spoke with XXXX XXXX no new notes on account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
They have injured me by violating multiple federal consumer laws pursuant to the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I was constructively eviction from the XXXX XXXX XXXX XXXX  managed by XXXX XXXX XXXX, where I had been a resident for sometime, when the management company hired a new manager, XXXX XXXX. This new manager started harassing me by filtering noise, and vibrations through my apartment. I complained to the management office and was told that I had no proof, so nothing was going to be done. I reported it to the police, but the police told me that the manager had to be caught in the act. So there was nothing that the police department could do.The harassment continued and started affecting my health ( increased XXXX XXXX and XXXX  from the noise ). I had to move out. The last interview I had with a different manager, I was told that I was released, everything was cleared. After moving out, months later I noticed that my credit XXXX Score had been dinged by a collector on behalf of XXXX XXXX for failure to pay an amount in which I had not received any notice of. This ding on my credit score was a continuation of the harassment I had been receiving when I lived at the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: LA

Complaint narrative:
They have injured me by violating multiple federal laws pursuant to the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
XXXX received a fraud alert on my accout. They caught it, XXXX dollars in fraudulent charges. I called them and thought itnwas taken care of. But it was not. They let the charges go through anyway. They said I'll get a refund after their investigation. I should not have to wait for my stolen money to be returned. They knew these were not my charges. They knew they were fraudulent and let them go through anyway. I'm not able to pay my bills because of the banks inaction against the fraud they detected. They say I'll get my money back but I don't feel safe. I'm going to take all my money out of their bank and go somewhere else.i want my money back. I want the bank to be fined for not taking immediate action to protect customers when they detect fraudulent activity. I can't pay my bills this month because of what the bank did allowing the fraudulent charges to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have previously disputed the circled items enclosed. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. * According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. * They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ; these credit bureaus have 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. * They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate or it MUST BE DELETED IMMEDIATELY Also, all credit bureaus are showing inaccurate and erroneous personal information. I have one address, one phone number, one name ; any inaccuracies must be removed immediately as they are impacting my credit score tremendously and hindering my reputation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
65 pages of obviuos fraud charges DENIED 3x now simply ignired by Chase over {$32000.00} XXXX XXXX OF FRaud 18 months ago DENIED CHASE actually apprvd XXXX OVER AND ABOVE credit line as a courtesy chargng me 24 % ruining my credit score damgng my busvess loans and causing higher borrowing costs of mllions in loans # XXXX advertisement fOR THIS chase card 100percent worry free FRAUD PROTECTION chase is absolute wrong and abusing its might to cheat peope NOLAWYERS WILL FIGHT CHASE NEED HELP PKEASE. M DEBT HAS RISEN TO XXXX now iwith no end went tobranch manager 4th complaint in XXXX. And not an answer from bank or acknowldg of my in person conlaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: LA

Complaint narrative:
They injured me by violating multiple federal laws pursuant to the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Sent a response to Transunion regarding my consumer credit file, I noticed there was no prior full investigation, I requested Transunion to update consumer file and remove all delinquencies and update consumer file as I saw on my consumer file. 

Transunion has inserted a derogatory remark which violates 15 U.S. Code 1692e - False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: LA

Complaint narrative:
I was injured by their debt collection practices because they violated multiple federal laws and now seek remedy for actions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Direct deposit blocked coming from Socisl Security. I had deposited a check that was declined, caused overdraft. I was notified of account closure date of XX/XX/2023. I notified social security to redirect deposit to another account prior to the closure date, however socisl security couldn '' t change it until XXXX payment. The bank blocked all deposits including direct deposit from social security. I was unable to receive my deposit timely as a result

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
It has come to our attention that XXXX XXXX XXXX has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an XXXX complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.

Company response to consumer: Closed with non-monetary relief