vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: NM

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.

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 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This company violated collection methods and sent me a letter of intent to sue. This letter came in XXXX Express Shipping Packing. It is very intimidating and has been hindering my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: CA

Complaint narrative:
I encountered an issue with a Chase ATM deposit on XX/XX/XXXX. After depositing {$6900.00}, the ATM prompted me to call XXXX for confirmation. Upon calling, a specialist initiated a claim related to my deposit. However, only {$1000.00} was credited back to my account on XX/XX/XXXX without any explanation. Upon contacting the claim department again today, another specialist stated he could see the previous record, which unfortunately didn't contain information about the {$6900.00} deposit. He has initiated a new claim. 

As a college student relying on these funds for tuition due tomorrow, I'm concerned about the delay. What steps should I take to resolve this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Card was purchased. XXXX  Amex Gift Card ( not a specific store or location needed ). 

I have attempted to use this card multiple times now and have been rejected every time. Stores were XXXX 's, XXXX XXXX and XXXX XXXX. All Failed. 

Called American Express Customer Service on the card and was told " To try at other merchants. '' Well that sounds like a kicking the can down the road type answer to me. Let me spend my money or don't take it from me to put on a card to begin with!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint against TransUnion for their failure to respond to a dispute letter that I mailed on XX/XX/year>, requesting an investigation into inaccurate items on my credit report. In my dispute letter, I requested investigations into entries for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

Despite mailing the dispute letter, I did not receive any response from TransUnion with investigation results. This failure to respond violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. 

Enclosed with this complaint is a copy of the dispute letter I sent to TransUnion, serving as evidence of my attempt to address inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.

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 2024-02-06 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: CA

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I was defrauded by an XXXX old man in XXXX XXXX who used my identity to open several accounts under my name. The story was all over XXXX XXXX XXXX XXXX XXXX. XXXX of them was the Care Credit account. And XXXX and XXXX removed this charge on my credit report but they are still sending me bills. The credit bureaus identified the identity theft and removed the charge from my account immediatly.

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 2024-02-06 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: IL

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I'm trying to change my student loan repayment plan before it expires and my monthly payment amount goes to {$500.00} but for some reason the only way to exit an XXXX plan is to contact them and there is no option to chat only call or email. I can't get on the phone with them and my plan expires in a few days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX XXXX my client paid my invoices totaling {$20000.00} dollars through XXXX. XXXX uses WEPAY as a processor to send money to my chase business account. 
In my WEPAY account it showed the deposits, their fees and they were sending my bank {$20000.00}. There was no eta on when those funds would be completed and deposited to my chase account. I sent Wepay an email since that is the only way to get a hold of them as well as put a ticket in with XXXX. I got a reply from wepay on XX/XX/XXXX request ticket # XXXX stating that the money had completed the review and a settlement would be proced shortly. I emailed back for an XXXX as I have payroll to pay. They replied back that a settlement of {$300.00} was sent to my bank account on XX/XX/XXXX I have no such deposits. I emailed back requesting to know when my full amount will be deposited and where was it. I received an email back stating that someone from a support team would be reaching out. 
I got an email from WEPAY customer delight team on XXXX stating : " Chase XXXX Payments Unfortunately, we can no longer support your business because your account falls under a category of which we are declining to process. 

At this time, with the information provided on your business, we are unable to continue processing payments for your account. 

More specifically : After careful review, it has been determined that we will no longer be processing payments for your account and have closed the account. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date. Please contact us after the 120 days has expired. 

If your balance goes negative, we'll recover those funds from your bank account. For full details, please refer to our Terms of ServXXXX. 

We wish you all the luck in the future, and hope that you find a processor that better fits your payment processing needs. 

Sincerely, The WePay Team '' Now my {$20000.00} dollars are gone! My wepay account is closed with no other reply from them when I requested further review and a call with a human. This has triggered a great financial burden on my small business, I have vendors to pay my office rent my employees. Wepay has failed to deliver my money and has failed to respond to where my money is and when I should expect it. I don't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: PA

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CARD Corporation
State: TX

Complaint narrative:
I received a CARD.com XXXX card in the mail on XX/XX/2024. I did not request the card nor do I intend to activate or use the card/account. Isn't this against the rules and could subject me to potential fraud? 

The card is issued by XXXX XXXX XXXX XXXX 

I attempted to contact card.com via online and via phone. They requested my XXXX # to before I could go any further. I would not provide that in an unsolicited mailing. 

I am holding the materials until I hear response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

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.

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 non-monetary relief
Consumer complaint received 2024-02-06 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: KY

Complaint narrative:
I was fraudulently charged twice by a merchant on XX/XX/XXXX for {$87.00} and {$91.00}. I reported it to Citibank, and XXXX of the charges was reimbursed, but the other remained pending. In XXXX, the merchant refunded XXXX charge, but the other charge remained and posted in XXXX. I was charged interest every month since XXXX in the amounts of {$2.00}, {$2.00}, and {$2.00} despite the charges being " under investigation ''.

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 2024-02-06 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: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2024-02-06 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: TX

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 XXXX : XXXX Account XXXX 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 2024-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I have received the following answer from Merchants XXXX for my complaint ID XXXX : Hello XXXX, Thank you for contacting MCB. We searched our records and did not find an account under your name, address or Social Security number. If you can provide the name of the medical office or physician 's name we can make an additional search to possibly locate the account. Thank you, XXXX XXXX. 
I would like to answer XXXX that I have only the information which shows on my XXXX credit report. It says that the XXXX XXXX is XXXX XXXX XXXX. 
If you still can not find any matching information in your records please remove my account from the collection. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX 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 2024-02-06 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: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I am in forbearance and have been given a trial modification. Payments are to be received by end of month. I made the required payment on XX/XX/XXXX via XXXX XXXX. I called in the following week due to the holidays to be told the payment had no been received. I would need to email a copy of the receipt, which Cross Country Mortgage would review and apply accordingly to my account. I have seen a few changes with my account and called in to question them. I was told the process of review would be complete my Friday XX/XX/XXXX. I also informed the rep at this time that XXXX 's payment was made the same way and I have sent an the email for application to my account. I provided the Money Control Number for the transaction. Today XX/XX/XXXX I call to hear that I have a new modification plan with a payment XXXX} higher and that the payment has not been applied as previously stated. The communication is poor and contradictory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent 2 certified written request to Equifax regarding that they remove unauthorized on my credit report regarding XXXX  XXXX Bankruptcy. All the other credit reporting agencies removed this item, but cause all of the information on all 3 bureaus were incorrect. 
My first letter was sent out of XX/XX/XXXX with required evidence stating that the courts did not supply or authorized this information to be put on my credit report. 
On XX/XX/XXXX Equifax in a letter stated it was verified, but yet I submitted the credit report showing that XXXX and XXXX had removed this unauthorized information. 
A second letter on XX/XX/XXXX was sent again request for a reinvestigation with a more current credit report. 
On XX/XX/XXXX I received a letter from Equifax still stating their information has been verified by the Bankruptcy court, when again the Bankruptcy court letter clearly states this is not their normal business practice, not gave them this such authorization

Company response to consumer: Closed with explanation