vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This complaint is against the XXXX XXXX ( hereafter referred to as XXXX XXXX regarding a rent payment to XXXX XXXX XXXX XXXX ( hereafter referred to as XXXX ) that I was already off the lease with when the payment occurred. I believe it is an unauthorized payment that XXXX is unwilling to dispute / revert for me. 

On XX/XX/2022, XXXX 's property manager, a new tenant, and I signed a " Change in Roommate Amendment '' for me to transfer the lease out to the new tenant. Clause 4 of it explicitly stated that It is agreed that XXXX XXXX ( vacating resident 's name ( s ) ) ( hereinafter " Vacating Resident ( s ) '' ), shall be released of all responsibility under the Lease as of XX/XX/2022 ( attachment 1 ). 

On XX/XX/2022, in preparation for my move-out, I paid the remaining balance of {$200.00} with XXXX to XXXX ( attachment 2 ), and then changed my home address on XXXX rent payment setup from XXXX to a new address. On XXXX app, it states that my new landlord isnt currently set up to accept the XXXX XXXX directly without fees, and offered several options to set up, so I assume this is sufficient to cancel the rent payment to XXXX. 

On XX/XX/2022, I received a payment overdue email from XXXX. This is when I realized XXXX had failed to terminate my account and associate the apartment unit with the new tenants account. To avoid any payment, I canceled all autopay setup and deleted all my bank accounts from XXXX account ( attachment 3 and 4 ). 

However, on XX/XX/2022, I received an email from XXXX saying that my rent payment was submitted for an amount of {$1800.00}, which matches the overdue amount ( attachment 5 ). 

I called XXXX customer service immediately. The agent told me that since I have been paying for the same landlord with XXXX since XXXX, if the landlord manually charges me on my XXXX card, XXXX  will authorize it, and the only thing I can do is to ask for the money back from XXXX ( attachment XXXX ). 

I dont believe this is how credit cards should practice. I have done everything I could ( except for closing this credit card ) to prevent the payment that I am not responsible for from happening, by changing my payment setup address on XXXX canceling autopayment, and deleting all bank account information. All these are clear instructions that this rent payment is not authorized. Further, after providing all the details during the customer service call, the agents argument sounds to me like since youve been paying them, we will help you to pay them if they ask for it, even if you dont agree.

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: AZ

Complaint narrative:
The company self has violated the law and my consumer rights! I have mailed them with no response! 

Law 15 U.S. code 1666b is as states : 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 no later than 21 days before the payment due date. 

They failed to mail me any type of letter stating my payment was due in 21 days thus the late payment for the account opened on XX/XX/2020 and closed on XX/XX/2020 have to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank has repeatedly called more than 7 times in a week and up to 15 times a week. I tried to turn the card off in order to not accrue monthly unpayment charges as I can no longer afford to keep the card. They denied my request to turn the card off and continue making monthly payments until it is paid in full and now call me constantly

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 2022-10-05 00:00:00
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Since XXXX XXXX, I have been disputing an erroneous charge on my USAA credit card for a faulty car rental charge. The car rental vendor, " XXXX XXXX XXXX '' is somewhat shady, and USAA has not supported my continual efforts to report and correct a duplicated charge to my credit card. The vendor charged my card in advance for a car reservation and then when I actually rented the car, I was charged again. Additional details explaining all of this are provided in the attached documentation which I have submitted to USAA on several occasions. On at least 2 occasions between XXXX and XXXX, 2022, the materials to substantiate my claim that I uploaded to the USAA website were not fully received. I would upload them, and then they somehow did not " stay '' in my account and were never reviewed ; rather I was determined to be non-responsive to the requests for additional information. In addition to the paper trail of documentation attached, I also called USAA on at least two occasions and initially sought to use the USAA online tools to report the dispute. A part of my challenge, I believe, is that USAA has been repeatedly updating the website and not fully capable of providing online tools that do not provide problems for its members. Overall, I also find that USAA is not as fully supportive of its members as it used to be, and prefers to side with the vendor even when member documentation re : a wrongful credit card charge is provided. I have personal, similar past experience to this current incident, but for charges of lesser amounts. I do not see that USAA ever goes back to the vendor to question their billing, and if they do, they do not share any information with the member to allow a meaningful resolution of the issue. These omissions of action and/or information are not proper credit card dispute resolution methods.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
As of XXXX XXXX XXXX I recieved a correspondance from XXXX regarding the results of the investigation file number XXXX XXXX, Upon carefully looking at the report i noticed that the investigations results regarding in anledged bankruptcy report XXXX XXXX XXXX Indiana XXXX # XXXX. XXXX is stating that they verified is accurate on a previous dispute I included a letter from the bankruptcy court stating that the court and the clerk does not sell or provide the information that is considered under the fair credit reporting act 15USC1681 I have a right to privacy and they have not contained consent as requied the fair credit reporting act to publish personal information under 15USC code 1681e compliance procedures section b the accuracy of the report states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. In 15USC 1681 section 602 states Congressional Findings and statement of purpose 15 USC 1681. a. ) Accuracy of fairness of credit reporting The congress makes the following findings. section 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilties with fairness, impartiallty, and respect for the consumer 's right to privacy. Under section e the term investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a crditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. In the same report i recieved investigation results regarding capital one auto finance account number XXXX I previously disputed some late payments that is being reported by capital one. XXXX has failed to conduct a proper investigation regarding the accuracy of the late payments. 15 USC 1666b timing of payments the late payments are being recored by capital one auto finance is incorrect and must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted a dispute with the following company but have not received the desired results. Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.

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 2022-10-05 00:00:00
Product: Credit card or prepaid 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: NY

Complaint narrative:
In XXXX I used Discover to put a deposit on a vacation rental in the Florida keys for my family to stay in XXXX, the remainder was paid in cash. There were problems with the home from the start, dogs on property even though not pet friendly, construction work happening before 8am, but we tried to make the most of it. Second to last night termites were crawling in the beds and completely took over a bedroom, we contacted the host and was asked if we had to leave early or comfortable staying. No one offered to change sheets, come clean up the mess, nothing. We left early and was told a refund would be made to the card on file, it took over a week to get this response as the owner left the company without a manager in charge. From the day I left I was told the manager would call me later, but my response to the generic how was your stay email prompted the manager to not return my calls, but respond via email. I got discover involved with a dispute as the refund was not processed and I was already having trouble with the company I was unsure they would follow through with what they said. Discover now states my information, an email from the merchant stating a refund would be processed to the credit card on file and the final bill stating the money received was only from my discover card and cash was not enough information. Even though I was told two weeks ago that that is the information that was needed, and XXXX business days ago that the information provided was approved to initiate credit back to my account. It should be as simple as that, and now dealing with this over several months Discover has claimed my information is out of date, already closed, but I should follow up with the merchant that has been ignoring my calls since the day after my departure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check on XX/XX/2022 for XXXX dollars into my Chase checking account. The check was returned on XX/XX/2022 and I was charged a {$12.00} fee from Chase for depositing the check that was returned due to no fault of my own. Then they advised that I seek to recover the fee from the person that wrote the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
On XX/XX/2022, I sent the attached Notice of Error letter to PHH Mortgage Services ( Reverse Serving ) notifying it of erroneous applications of credits to the borrower 's loan account. PHH has totally ignored the Notice of Error letter even though its signed the USPS Certified Mail " Green Card. '' It never sent written acknowledgement of the XXXX letter as required by 12 CFR 1024.35 within five days of receipt of the XXXX XXXXNor has PHH ever responded on the merits to the XXXX letter. Nor has PHH taken any apparent steps to investigate and correct the errors itemized in the XX/XX/2022 Notice of Error letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts I have filed many disputes and have called many times trying to get this fraudulent account and six fraudulent inquiries removed. And I have had nothing done. I also have the police report number. 

Accounts & inquires 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 XXXX Last reported XX/XX/XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Because of the Pandemic most of my accounts in my report could not be Pais. I did try to address the accounts but they didn't seem to care or understand what was going on during this time. I have reached out to XXXX XXXX XXXX, XXXX and many other around XX/XX/2020. They took money from me and instead of using that money to go towards the balance they used it towards the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Because of the Pandemic most of my accounts in my report could not be Pais. I did try to address the accounts but they didn't seem to care or understand what was going on during this time. I have reached out to XXXX XXXX XXXX, Barklays and many other around XX/XX/2020. They took money from me and instead of using that money to go towards the balance they used it towards the interest.

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted a dispute with the following company but have not received the desired results. Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery has been erroneously reporting on my credit file. With the help of credit bureaus providing previous and current reports that Portfolio Recovery has changed information on my credit file and has incomplete information. They have continuously ignored my disputes about an alleged debt and have not provided any valid information, but will only comment that I disagree. I have obtained my phone records and have noticed that Portfolio Recovery is calling my phone every quite often, some days multiple times a day and hanging up. That is considered harassment. 
All information stated above is clearly a violation to my rights as a consumer advised by the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted a dispute with the following company and have not received my desired results. Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, prove I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2022 I sent experian a dispute for account target on my consumer report in regards to them reporting the wrong On Record Until Date XXXX XXXX the on record until determines the 7 year expiration date this account will legally be removed from my consumer report. I have already got confirmation from target XX/XX/2022 on when the exact date of 1st deliquency date occured which was XX/XX/XXXX XXXX per FCRA Running of Reporting Period that refers to the 7 year period begins with respect to any delinquent account beginning on the date of the commencement of the delinquent which immediately preceded the charge off status 1681c ( c ). this law is a requirement to information contained in consumer reports. Now, I will say that experian is reporting the correct date of 1st delinquency in the payment history BUT they refuse to modify the on record until date to match the payment history. I mean its right in there face in black and white and I dont understand why experian won't modify the on record until the right way. 

additionally, my dispute was mailed XX/XX/2022 and experian submitted my dispute XXXX XXXX experian opened my dispute XX/XX/2022 and provided me with dispute results the exact same day XX/XX/2022 report number XXXX it takes more than a couple of days to complete a investigation in regards to inaccurate information and the AFTER results that experian provided me still reflect the same error On Record Until XXXX XXXX experian has failed FCRA compliance to follow reasonable procedures to assure maximum possible accuracy of the information before preparing me with results and a updated report 1681e ( b ).

Experian is practicing non compliance procedures to correct inaccurate information on my report. target is not responsible for this error, experian is and they won't modify the on record until correctly.

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