vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
First of all, capital one has had my name wrong on this account for years, even though it was spelled correctly on other capital one accounts I've had. My last name is XXXX, and they still keep addressing my letters as " XXXX. '' I have tried disputing this error multiple times with them but they still address me as such. 
Anyway I noticed on my credit reports that the " days late '' were inconsistent. One credit report claimed I was 90 days late, another said I was 120 days late, and the third would say I was 150 days late. And this was inconsistently reported on at least 4 or 5 different months. I wrote a letter requesting capital one send me a history of my payments and dates each payment was made so I could figure out which ones were incorrectly being reported. 
Capital One sent me this : Dear XXXX XXXX, Thanks for contacting us about your credit report. Based on the information you gave us, we researched your account. We know your credit is important to you so we want to help you understand what we found. 
We have confirmed that the late payment we are reporting for XX/XX/2023 is accurate. Because this information is correct, we do not need to change how we update it to the credit bureaus. 
We are unable to provide you with all of the statement copies that you requested. We regret any inconvenience this may cause. You may still be able to access additional statements online at www.capitalone.com 1. My name is STILL misspelled after disputing for years. 
2. I was questioning a LOT more dates than just XX/XX/2023, but that was the only one they decided to mention. 
3. If they were able to confirm that the late payment for XX/XX/2023 is accurate, why couldn't they provide me with the due date & payment date for at least THAT ONE?

4. I did not ask them to update anything to the bureaus ; I asked them to provide ME with the information that is regarding MY account and for PROOF that what they're reporting is accurate. 
5. I do not see why they could not provide me with the documents I was requesting. I have requested the same information from other lenders and they were able to provide me that with no hassle. Capital one at least could have emailed me a PDF or something.

6. Believe me, I have tried to access my payment history for this account on the capitalone website. The ONLY information I have access to regarding payment history is the processed & scheduled monthly payments toward paying off the collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
MY CONDO XXXX   XXXX IS LOCATED ON THE XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND THE MORTGAGE COMPANY AGREED AS A ONE TIME COURTESY TO REMOVE THE {$140.00} FORCED PLACED INSURANCE PREMIUM SINCE I ALWAYS PAY MY FLOOD INSURANCE ANNUALLY AND I NEVER HAD AN ESCROW ACCOUNT SINCE I OBATAINED THIS LINE OF CREDIT FROM XXXX XXXX  XXXX AND I ALWAYS PAY MY PROPERTY TAXES ON TIME. THIS OVERPRICED FORCED PLACED INSURANCE IS PUTTING ME IN XXXX WAY VIOLATING BANKING RULES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: WA

Complaint narrative:
Experian is improperly reporting a debt without knowing if XXXX XXXX has met their obligations under the Fair Debt Collection Practices Act ( FDCPA ) Federal law prohibits debt collectors from reporting a debt to a credit reporting agency without first speaking to the consumer or sending a debt validation notice. I never once spoke to this company or got a letter about this debt before they started illegally reporting and experian just allowed this to happen without checking if they abided by federal laws. They are damaging my credit unlawfully!

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 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received an approval letter from PayPal and Rooms to go ( Synchrony Bank ) credit that I was approved for SCRA under KP state Louisiana but I only received credit from XX/XX/XXXX. Request interest rate refund from the start date of the account. I have been an XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

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 2024-05-12 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: IN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Formal Complaint Against RentDebt Automated Collections LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against RentDebt Automated Collections LLC regarding their improper debt collection practices, which I believe violate my rights under federal consumer protection laws.

RentDebt Automated Collections LLC has been attempting to collect a debt from me in the amount of {$570.00}, which was reported as opened on XX/XX/XXXX. I want to clarify that I do not owe any debt to this agency. I have never entered into any agreement with RentDebt Automated Collections LLC, nor do I have any outstanding obligation to them. 

Despite my clear assertion of non-recognition of this debt, RentDebt Automated Collections LLC continues to harass me with frequent phone calls demanding payment for an unsubstantiated debt. They have failed to provide me with any validation information, as required under 12 CFR 106.3.4 ( b ) ( 5 ), to verify the alleged debt 's legitimacy.

Furthermore, RentDebt Automated Collections LLC has unjustly reported this disputed debt to consumer reporting agencies without granting me the opportunity to dispute the account, as outlined by 12 CFR 106.3.4 ( c ) ( 4 ) ( i ). This action directly violates my rights under consumer protection laws.

RentDebt Automated Collections LLC 's conduct is not only improper but also deceptive and misleading. By furnishing this disputed account to consumer reporting agencies without proper disclosure, RentDebt Automated Collections LLC is in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ).

In addition to investigating the above violations, I am requesting the following information from RentDebt Automated Collections LLC : The purchase agreement or contract between RentDebt Automated Collections LLC and the original creditor, Cedar Forest Apartments, establishing RentDebt Automated Collections LLC 's authority to collect on this alleged debt.

Proof that RentDebt Automated Collections LLC is properly licensed and bonded to operate as a debt collector in accordance with applicable state and federal regulations.

I request that the Consumer Financial Protection Bureau investigate these violations and also request the disclosure of the above information from RentDebt Automated Collections LLC. Enclosed Please let me know if you require any additional information to proceed with the investigation. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: MS

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-05-12 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: MS

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
They had put a collection on my account starting in XXXX saying I owed living at XXXX money when in fact, I never owe them money and Covid rent Relief had paid them off. The last time I was at this complex was in XXXX and now were in XXXX, and this fake debt collection agency are committing fraud and putting false collections on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEALTHFRONT CORPORATION
State: NY

Complaint narrative:
Wealthfront recently had an offer where employees of certain companies, were given an additional 1 % APY boost for the money ( up to $ XXXX ) that was sitting in their individual cash account for 3 months. I referred XXXX people for this ( on XX/XX/XXXX, XX/XX/XXXX and XXXX ) and yet Wealthfront has only rewarded me for XXXX of them. 

What is misleading is that when I login to check the status of my rewards on the rewards page ( see attached ), I see a visual that shows that I am earning " XXXX % APY boost active until XX/XX/XXXX '' which makes sense. However, the same visual also shows that it is possible to earn the XXXX % boost up to 6 months ( with the unshaded grey bar clearly showing a 3 month and 6 month end date ). 

This seems extremely mis-leading and I believe violates a considerable number of terms related to miss-selling. Wealthfront is showing the visual with a 6 month horizon for the 1 % boost but in reality, that offer is capped at 3 months so why would you show a " progress bar '' with a 6 month indicator on it?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: MA

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 2024-05-12 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: MA

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 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
On XXXX Avant Credit Card took {$200.00} from my bank card without my authorization. I never authorized any amount to be taken my due date was supposed to be XXXX So they took money without authorization, Essentially stole from me without notifying me in any way. I made 3 payments in good faith on XX/XX/XXXX ( {$200.00} ) XX/XX/XXXX ( {$200.00} ) XXXX ( {$200.00} ) which were authorized so I can get my balance down below limit. I had XXXX last XX/XX/XXXX. I called them and they stated they are sorry but the payment is pending so basically they committed fraud, took it upon themselves to process a payment not authorized by me. The customer service person said they are sorry but dont have an explanation. 
I agreed to pay off balance as soon as I can but ( I ) stated I would send in payment no one is tonsteal from me. This is fraud through and through!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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:
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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I sent a letter to Experian regarding a request to investigate things that I believe to be inaccurate and/or incomplete in my credit report. Experian responded back with a stall letter on XX/XX/year> stating that it was not me but a third party trying to fix my credit. However, I mailed this from my own house. I am not sure why they think Im a third party as I am trying to fix my own credit while getting these inaccuracies removed as I am trying to get a vehicle

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 2024-05-12 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: MS

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-05-12 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: DISCOVER BANK
State: CA

Complaint narrative:
I purchased an automated kitty litter, which was faulty and immediately proceeded to return this item. XXXX gave me a choice, refund my original credit card purchase and credit my Discover card, or they offered to provide me an XXXX e-gift card, which would be a faster, almost immediate refund to my XXXX account. I chose the latter. 
I returned the item on XX/XX/XXXX or XXXX, and almost XXXX weeks had gone by and I had received no e-gift card from XXXX. As such, I advised XXXX I was going to dispute the charge with Discover and Discover provided a temporary credit pending their " investigation. '' Discover performed an " investigation '' which was reduced to asking XXXX what they had done about my refund. XXXX told Discover that they had provided an e-gift card, but they FAILED to tell Discover that they took the e-gift card back and provided me a XXXX ( XXXX ) REFUND, because XXXX was told Discover had provided a refund. So, BOTH DISCOVER AND XXXX LEFT ME WITHOUT A REFUND. 

I provided evidence to Discover that XXXX did not provide an XXXX card, or rather, they took back their XXXX certificate once they learned Discover had provided a refund. Now, as stated, neither Discover nor XXXX have provided my credit for {$380.00}. I uploaded evidence that XXXX took the e-gift card balance back and to this date, NEITHER DISCOVER NOR XXXX HAVE CREDITED MY ACCOUNT. 

I demand that Discover credit my account accordingly as I have returned the item for {$380.00} for XXXX month ago now, and to this day, they have FAILED to credit my Discover account, and neither has XXXX provided an e-gift card for {$380.00} for the returned item. 

This is clear evidence of a multibillion-dollar company, or XXXX, which do NOT listen to their customer, fail to perform a proper investigation, simply take the word of a behemoth, multibillion dollar company against that of their customer, and leave the customer against a rock and a hard place, with NO refund to date, for an item returned XXXX month ago. 

I WANT MY {$380.00}!

Company response to consumer: Closed with non-monetary relief