vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I applied for a new account with Flagstar Bank on XX/XX/2024 to take advantage of their advertised 5.55 % apy promotional rate. When I reviewed my first statement, I realized that I was only getting 2 % apy. I tried using their online chat several times during normal business hours, but replies that it was unavailable. I sent a secure email on XX/XX/XXXX inquiring about the issue. Since then, my husband and I have both called multiple times to request that the 5.55 % apy be applied and backdated to the account opening date. The bank has been unable to resolve this and keeps telling us that they're backed up and to call back later, or promised to call us back and never does. Now I'm trying to transfer my money back out and am unable to do so. Setting up an external transfer through Flagstar 's website fails, with an error message that the text validation code for my external account is incorrect. When trying to set it up for my external account to pull the money from Flagstar, that also fails, saying that the Flagstar account type doesn't allow it. Today, XX/XX/2024, I was escalated to XXXX XXXX in the president 's office to explain why Flagstar is unwilling or unable to do an ACH or wire transfer of my balance to an external bank. She said she would call me back, after she is able to find out about Flagstar 's transfer procedures, but that it might take several days and I should be patient.

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 2024-06-25 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: TX

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT

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 2024-06-25 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: OH

Complaint narrative:
I have a sapphire chase credit card I made a purchase from XXXX from XXXX XXXXXXXX XXXX XXXX I order products from them worth XXXX The products they sent were damaged I opened a dispute with chase and they submitted the documents they wanted and they mislead you with different information and they closed my case and sided with them I will never do business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
its been about 2 month since i been having a problem with BMO bank someone try to cash my tax returned check and they are refusing to reverse the transaction the times i called trying to resolve this i get nothing but attitude from the dept that is taking care of this when i talk to the the very first time i was told by one of branch vp that as soon as they would get the request from the bank that they would refund the money back to bank only now that bank is requesting the money they refuse to response back to the bank

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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

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

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

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

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

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

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

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

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I recently saw my credit report as I was thinking about purchasing a home and noticed a collection account that I was unaware of as I did not receive any notice to dispute or to verify this debt which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Southwest Credit System is reporting this false information on my consumer report without verifying it first which also violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provides valid proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number of the notice. Additionally, I demand that they answer the attached dispute letter line by line in order to both validate and verify this information. If they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states. Lastly, pursuant to 15 U.S. Code 1692g ( c ) failure to dispute the validity of a debt does NOT mean admission. How can I, the consumer dispute this alleged debt when I never received a notice?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: GA

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-06-25 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:
I sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Despite my detailed notifications listing specific accounts and citing violations under FCRA 623 ( a ) ( b ), 605 ( c ), and FDCPA 809 ( b ), the agencies have failed to respond within the mandated 30-day period. They have neglected to mark the disputed accounts as such under FCRA guidelines, and have inaccurately reported the date of last activity on these accounts, which does not reflect the actual last payment date. Additionally, they have failed to provide adequate validation for a collection account, as required under FDCPA 809 ( b ) per FTC guidelines. Copies of all correspondence sent to the agencies are attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: IN

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
In Ohio, the statute of limitations for most types of debt is as follows : XXXX. **Written Contracts ( including most credit card debts ) : ** 8 years from the date of the last payment or acknowledgment of the debt. 
XXXX. **Oral Contracts : ** 6 years from the date of the last payment or acknowledgment of the debt. 
3. **Promissory Notes : ** 6 years from the date the note was due or the last payment.

4. **Open Accounts ( such as utility bills ) : ** 6 years from the date of the last payment.

Given that the statute of limitations for written contracts ( which includes most credit card debts ) is 8 years in Ohio, a third-party collection company may still be within its rights to pursue collection if the debt falls within this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I found a fraudulent hard inquiry on my XXXX Credit file Credit Inquiry name : CAPITAL ONE Date of inquiry : XXXX Please remove this from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: MD

Complaint narrative:
It has come to my concern that even tho the CFPB has put a new law/rule into place regarding the reporting of alleged medical debt {$500.00} or below you are violating my consumer rights. 

The below account is reporting {$340.00} on my consumer report which clearly the CFPB says that these accounts must be deleted from consumer credit reports! 

Two-thirds of medical collections on credit reports will no longer be reported. Starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: MD

Complaint narrative:
It has come to my concern that even tho the CFPB has put a new law/rule into place regarding the reporting of alleged medical debt {$500.00} or below you are violating my consumer rights. 

The below account is reporting {$340.00} on my consumer report which clearly the CFPB says that these accounts must be deleted from consumer credit reports! 

Two-thirds of medical collections on credit reports will no longer be reported. Starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting.

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 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was contacted by an alleged attorney office stating I was being sued by XXXX XXXX XXXX for a {$3000.00} debt acquired last year. I have never had a XXXX  XXXX XXXX card and have not had ANY credit cards in over 20 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am writing to express my frustration and disappointment regarding the handling of a promotional offer for new checking account members. I opened a new checking account with Chase Bank on XX/XX/2024, and made the qualifying deposits within the required 90-day period.

Despite fulfilling all the necessary conditions to qualify for the promotion, I have not received the promised benefits. I reached out to my banker via email on three separate occasions to inquire about my eligibility and the status of the promotional offer. Unfortunately, I did not receive any response to my in regards to the status of promotional offer inquiries. 

Subsequently, I scheduled a phone conversation with my banker. During this call, my banker mentioned that they did not remember if they had entered the promotional coupon code when the account was opened. They further stated that they were unable to honor the promotion now because my account has been open for too long. 

This situation is unacceptable and highly disappointing. I have complied with all the terms and conditions of the promotion, and it is through no fault of my own that the promotional code may not have been entered at the time of account opening. I believe I am entitled to the promotional benefits, and I am requesting immediate rectification of this matter. 

I kindly ask that you investigate this issue and honor the promotional offer as initially promised. Please provide me with a resolution to this matter at your earliest convenience. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

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

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

I demand the late payment reported in months there are late payment remarks to be removed. 

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

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


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


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

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I received a collections letter from XXXX XXXX XXXX for {$7100.00} amount due. 

I have never been to Maryland, I have owned and lived in my home in XXXX, California since XX/XX/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 explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I had an account that was closed I think it was in XXXX from PNC bank, they closed my credit card and my checking account due to some fraudulent charge and I agree with them to close the account but now every time I try to get a checking account like I was trying today it says that u cant open my account due to something that shows in my credit report and I would like to fix it, I didnt even know why was they closing my account if nothing happened.

Company response to consumer: Closed with explanation