vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: WI

Complaint narrative:
My account with Experianwas never late! I have had exceptional payment history with 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 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 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.

Experian 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 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: IL

Complaint narrative:
My name is XXXX XXXX I remitted money to XXXX through XXXX XXXX on XX/XX/year>. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from XXXX XXXX through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered XXXX XXXX to stop remittance activities on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX also signed a consent order. The states will use the statement signed by XXXX XXXX to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I purchased vacation package through XXXX XXXX both flight and hotel, flight cancelled do to incident happen with XXXX XXXX  on XX/XX/2024, all flight grounded do to FAA regulations, result NOT able to make it to hotel reservation, XXXX trip number # XXXX for XXXX adult traveling from XXXX and hotel reservation on XXXX with XXXX XXXX XXXX XXXX. Which I never received any service from, try to dispute this charge with my Bank ( Bank of America ) and was denied by the bank reason for used service. 
Please refund me the amount charged under XXXX XXXX {$870.00}.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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:
Consumer name : XXXX XXXX XXXX, Consumer social security Number : XXXX, Consumer date of birth : XX/XX/XXXX, Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C to 1681 c-2 ) that you, The TransUnion credit reporting agency , Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number # XXXX, A Phone Account at XXXX on XX/XX/XXXX under the account number # XXXX, An Auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX, And a Auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report mentioned by you which shows the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, or hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the US federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-05 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: MA

Complaint narrative:
Consumer name : XXXX XXXX XXXX, Consumer social security Number : XXXX, Consumer date of birth : XX/XX/XXXX, Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C to 1681 c-2 ) that you, The XXXX credit reporting agency , Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX, A Phone Account at XXXX on XX/XX/XXXX under the account number # XXXX, An Auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX, And a Auto loan at XXXX XXXX XXXX  on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report mentioned by you which shows the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, or hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the US federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I noticed 2 fraudulent charges on my Capital One 360 bank account. One was for the amount of {$3100.00} from XXXX made on XX/XX/24 and the other was in the amount of {$300.00} to XXXX made on XX/XX/24, which happened a day apart from each other. I spoke to the fraudulent department about both fraudulent charges. I got {$300.00} lifted and returned and the {$3100.00} was not. I spoke to the fraudulent department at capitalone they submitted and denied my claim and stated they did not have enough information. When I called them to escalate I was told to email the card investigation at CapitalOne 360 with more information I did so and after 15 business days I was again denied. When I spoke to the fraudulent department again, they said it was my fault that my information was stolen and {$3100.00} Charge to my account was not going to be returned. I was told to speak to the merchant that charged that amount so I can Possibly get part of my money back. I was told to, by capitalone I can email the investigation department again and/or they can provide me with the documents on how they came to their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: NY

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi mi name is XXXX XXXX I have a trouble with my credit score SSN at Risk Social Security Number ( SSN ) XXXX Location Where Unauthorized Access to Confidential Information Occurred XXXX Date Found on the Dark Web XX/XX/year> Additional information found with this unauthorized access to confidential information. 
Identity Information First Name : XXXX XXXX XXXX : XXXX Last Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
On XXXX I called XXXX Mortgage at XXXX about my modification confirmation. I was advised ( and confirmed by a supervisor ) that my mortgage payment would remain the same until XXXX of XXXX. " Also there will NOT be a escrow audit until XXXX. '' " At that time the mortgage payment will go up '' {$2300.00} are the monthly payments. This is the amount on the bill as of XXXX. On XXXX I called and requested that recorded call as I was mislead, deceptive words were used and they did confirm that part of the XXXX modification included Escrow advance money. I am asking them for a resolution and restitution for not acting in good faith and their misleading practices. 

PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
I filed a dispute after all of my personal belongings were stolen XX/XX/XXXX there were transactions on my account that were not made by me and as a result XXXX dollars were stolen. I have spoken with chime over 30 times. They denied my dispute on XXXX I filed a rebuttal the same day chime promised to reinvestigate if I provided proof or more evidence I submitted proof of my phone being stolen a report to cyber security and a written statement on my first rebuttal they denied it after they promised I would like receive a provisional credit if my investigation was not complete by the 10th business day. I was denied on the 9th business day. 
I filed a second rebuttal but this time is sent chime a police report which was XXXX the XXXX that I provided the police report this time they failed to upload a copy to my case as they had added the other documentation I filed them they denied the rebuttal again on the 9th business day which was XX/XX/XXXX the company had automated responses I have asked for supervisors customer relation etc bc everytime I speak with a sup they give the same info as regular advisors I have been hung up on 3 times after being as nice as possible. This company fails to do an appropriate investigation I have cried and urged for help with no luck receiving it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I ve grabed my credit report back in XXXX of XXXX  lookin to get an education for me as I want to have superior education when I saw it my jaw dropped I had not one but four accounts open 2 with the same creditor and one of each I called these creditors and they stated they investigate the issue never did I wanted to them to acknowledge my documentation and no avail I dont know what to I need HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Account # XXXX Name of Account : XXXX XXXX  XXXX Subject : Urgent Request for Removal of Inaccurate Collection Entry Dear TransUnion Dispute Department , I am writing to formally request the immediate removal of an inaccurate collection entry currently being reported on my credit report. I previously disputed this entry with TRANSUNION AND both XXXX and XXXX, and they have both confirmed that this collection was deleted from my credit reports due to its inaccuracy. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information, and as you are aware, TransUnion is required to comply with FCRA regulations. Specifically, the FCRA mandates that when a dispute results in the deletion of an entry from one credit bureau, other bureaus must reflect the same updates to ensure accuracy across all credit reports. 
The relevant sections of the FCRA that you are currently in violation of include : FCRA 611 ( a ) ( 5 ) ( A ) : This section requires credit reporting agencies to delete or correct information that can not be verified as accurate.

FCRA 611 ( a ) ( 6 ) ( B ) : This section mandates that when information is found to be inaccurate or incomplete, it must be removed or corrected by all reporting agencies.

FCRA 623 ( a ) ( 2 ) : This section states that furnishers must ensure the accuracy of information reported to credit bureaus, and when a dispute has been resolved by one bureau, it is the responsibility of all bureaus to correct or delete the inaccurate information.

The presence of this erroneous collection entry is causing undue stress and potential harm to my creditworthiness. Therefore, I am requesting that TransUnion remove this inaccurate collection entry from my credit report within 10 calendar days of receiving this letter. 
Please confirm the removal of this entry in writing to the address listed above or via email at XXXX. Failure to address this issue promptly will compel me to consider further actions to protect my rights under the FCRA. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I ve grabed my credit report back in XXXX of XXXX  lookin to get an education for me as I want to have superior education when I saw it my jaw dropped I had not one but four accounts open 2 with the same creditor and one of each I called these creditors and they stated they investigate the issue never did I wanted to them to acknowledge my documentation and no avail I dont know what to I need HELP!!!!

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 2024-09-05 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I ve grabed my credit report back in XXXX of XXXX  lookin to get an education for me as I want to have superior education when I saw it my jaw dropped I had not one but four accounts open 2 with the same creditor and one of each I called these creditors and they stated they investigate the issue never did I wanted to them to acknowledge my documentation and no avail I dont know what to I need HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened an account with Marcus Bank, so far so good. I made deposits from XXXX XXXX XXXX XXXXXXXX account to Marcus as normal, I made XXXX deposits and it worked as normal. When I needed to withdraw some of MY MONEY, I discovered that my account was flagged. I have called Marcus Bank countless times and can't get a resolution. I need my money and it's stuck at Marcus and I can't do anything with my OWN money. It was easy to get my money, but now I can't get it back. I would like a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: GA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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. 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 8

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