vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Triton Recovery Group
State: VA

Complaint narrative:
I was included on a group text chat that gave private information like names and debt amounts and company names. Here is the message : " [ REDACTED FOR PRIVACY ] Account # [ Redacted ] -Hi [ Named indebted ], please reach out to XXXX XXXX to discuss an open debt in the amount of {$6700.00} with XXXX XXXX XXXX, XXXX client is preparing to take action against you, for defaulting on your cash advance. email XXXX to arrange your payment. I look forward to hearing from you on this urgent matter, thank you '' Once I let them know that I was not to be contacted because I was not who was named, they continued to send messages from this " Triton Recovery LLC ''. They are very obviously predatory and use harassment tactics to instill fear into victims and " clients ''. When I tried to call them and let them know I'm not who was mentioned and that it was in violation of the FDCPA, a woman named XXXX began to speak over me very rudely and talk down to me stating, in a very condescending way, that she " appreciated my attempts to educate but that they don't follow the FDCPA ''.

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 2024-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX my employer deposited into my accounts, the bank placed the funds on hold, I called they gave the different reasons, I waited, and my funds wasnt made available, my employer deposited funds into the account again, and I still cant get my funds, I have called, they have gave me different answers, I call today, and they still cant give me A reason why my funds are still being held as pending in my account. The Experian Money card agents are rude, and when I ask to speak with management concerning this matter they hung up, acting like they cant hear me. I need help with this matter because I have tried to handle this, and it been almost two weeks since the first deposit was held with out A clear answer.

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 2024-06-13 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, Fl XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX Open Date : ( XX/XX/XXXX ) Bank Routing # : XXXX Account # : XXXX Bank : XXXX XXXX  Open Date : ( XX/XX/XXXX ) Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX Open Date : ( XX/XX/XXXX ) Bank Routing # : XXXX Account # : XXXX XXXX XXXX XXXX Date XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX Bank Routing # : XXXX Account # : XXXX Bank Routing # : XXXX Account # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: FL

Complaint narrative:
I do not recognize these queries in my report. 
XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not recognize these late payments, these accounts were PAID and closed during covid because i lost my job, please request that they be eliminated since it tremendously affects the possibility of improving my financial life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRANSWORLD SYSTEMS INC
State: NE

Complaint narrative:
In XXXX I took out a heloc with XXXX. I went in to bankruptcy in XXXX and thought the heloc was in the bankruptcy, but it was just the missed payments. In XXXX when I was discharged from the bankruptcy I received a letter from XXXX saying they bought the loan. They had me deal with their collections department, Nationwide, which said that if I was to pay down the debt and show them that I was sincere about settling the debt they would work with me. For they had purchased the debt for pennies on the dollar ( heard that dozens of times ). I did over the next 16 months I paid off XXXX of the debt, during that time I was granted a XXXX XXXX for multiple reasons. Nationwide had steps to follow ( tax returns, bank statements, XXXX statements etc. ) I followed them and submitted a buyout offer like they said, about 70 % of debt they showed me. They called that night ( seemed drunk ) said they wanted all of the debt plus the XXXX interest and penalties ( never mentioned before ) said they own me and they own my home. I thought I was scammed, I didnt hear from them again. Applied and was granted a mortgage loan modification in XXXX no mention of a second lien. XXXX loan application showed a second lien ( title search done by same company as loan modification two years earlier ). Dont know what to do, Im getting old and I dont want to leave this mess to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have two credit cards with Capital One. I found out Capital One closed both yesterday. The representative would only provide a generic response about why it may have been closed. I have not purchased anything on it that would go against a credit card 's intended use. I asked about receiving or transferring the rewards I've built up, and she told me I could not have them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-13 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to formally file a complaint against Chase for their failure to resolve an issue with a ticket purchase and their subsequent refusal to provide a refund. 

On XX/XX/year>, I purchased two tickets through the Chase 's Travel portal for flights scheduled from XXXX to XXXX on XX/XX/year>, and from XXXX to XXXX on XX/XX/year>. The original XXXX  for these tickets was XXXX and TRIP ID XXXX XXXX. 

When booking the tickets, I mistakenly entered my wife 's married name instead of her maiden name, which is the name on her passport. Realizing this error well in advance, I contacted Chase Travel two weeks before our scheduled departure to request a name correction on the ticket. Despite my timely request, Chase Travel was unable to correct the name or offer any viable solution to rectify the situation.

As a result of their inability to address this issue, my wife was denied boarding despite having all of the documents and I was compelled to purchase a new ticket for my wife at the airport on the day of the flight, incurring additional, unforeseen expenses.

Since then, I have been in continuous communication with Chase Travel for over a month, seeking a refund for the original ticket. Despite my persistent efforts, they have neither provided the refund nor offered any concrete resolution. Instead, they continue to attribute the delay to the airline and have not given me any clear next steps.

Given the circumstances, I am requesting a chargeback for one ticket at original price, amounting to {$1200.00}. This request is made in light of the financial burden and inconvenience caused by Chase 's failure to address the issue promptly and adequately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: 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.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Falsely arrest and voluntary reposed the vehicle sued a major store

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I have 2 complaints and this is Financial Malpractice : 1 ) My credit limit was reduced drastically from XXXX $ to XXXX XXXX Now my credit card shows has " Over credit Limit '' as there is approximately more than a XXXX $ over credit limit in balance which has severely impacted my credit score, plus this also reduced my available credit overall which has severely impacted my credit score, causing financial distress and has impacted all areas of my life financially. I am not making monthly payments for a credit card I can not use ( As the available credit is XXXX $ ) and paying interest on top of this. This is malpractice where Upgrade Inc. approves a credit line and then suddenly drastically reduces the credit limit ( Based on credit scores as a reason ) and the consumer is put in a situation where the credit card can not be used anymore, and monthly payments are being made with interest with no use of the card. Basically, Upgarde Inc. provides a credit line, reduces the credit limit and indirectly makes this like a loan with a high interest payment. This must be addressed with these small financial institutions who are using legal loopholes to cause severe financial distress to the customer for their own gain. They should not be allowed to run financial institutions in the United States with these kind of undercover financial malpractices. Every area of my life has been impacted by this company due to severe credit score impact.

2 ) A monthly payment was made on XX/XX/year> in the amount of {$1600.00} by mistake as Upgrade Inc. does not show a confirmation page with the amount before submitting the payment. I meant to make the minimum monthly payment, but instead, the payment defaults to the full amount and Upgrade Inc. hides the amount in the confirmation page before submitting the payment. In this case, the customer would not know what payment amount is being made ( Every Major financial institution has this process in place ). This is to mislead the customer and make them pay a full amount, by hiding the amount on the confirmation page. After submitting this payment, I immediately tried to cancel it ( In 30 seconds ) for {$1600.00} and they would not let me cancel. So my entire salary I received the same day was taken by Upgrade Inc . I contacted customer service and they said that they can not do anything about it via an email. There are no communication channels in place and they have a live chat option which is not operational. The website is very amateur for a financial institution where you can not even see the detailed account summary. Now this has caused me to lose my entire salary without being able to pay for rent or food. The I sincerely hope this financial institution is held accountable for their malpractices. 

Thanks Very Much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I booked a hotel stay at the XXXX XXXX in XXXX, CA on my Citi Visa card. The vendor ( hotel ) charged the wrong credit card. In getting XXXX to correct the error, XXXX then charged and refunded my Citi Visa card. On XXXX XXXX the vendor charged XXXX CAD to the Citi Visa card ( {$850.00} ). On XX/XX/2024 the vendor refunded XXXX CAD to the Citi Visa card ( {$850.00} ). This refund was an error ( should have been made to the other credit card ). However, there is a difference of {$5.00}. Essentially I am paying Citi {$5.00} for a service I never received. I contacted Citi to get the transactions to match in USD and was told I needed to contact the vendor and ask them to refund me the difference as a courtesy because of the difference in exchange rates between the USD and CAD. I believe Citi could do the same thing since the vendor sent them the exact funds for the transaction. Thank you for your assistance in resolving this issue.

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 2024-06-13 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had a HELOC with XXXX XXXX, account XXXX. This loan was fully paid back at the closing of my house sale on XX/XX/XXXX. I received a statement saying I owe {$130.00}. That is incorrect. However I paid it. 

My credit reports show XXXX late payments and that the mortgage is not paid off when indeed it is. 

I would like a refund of the {$130.00} per statement XX/XX/XXXX and my credit report cleared of these XXXX late payments and that the mortgage is not paid. 

This is killing my credit score, please fix it. 
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 2024-06-13 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: MS

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation