vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 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: BARCLAYS BANK DELAWARE
State: VT

Complaint narrative:
I have been a customer of Barclay since XXXX  and have had more than XXXX payments, none late. In XXXX I noticed an email saying my account is seriously past due. I don't use this credit card very often and don't typically monitor my personal email. I was confused as I pay this account via a paper statement and don't recall seeing that. I tried calling on several occasions and had a tough time reaching a person to talk to. I was routed to collections apparently and treated like a deadbeat. I paid right away and learned later that somehow I missed a statement for a {$25.00} balance. This quickly escalated to {$97.00} with in late charges and interest. During this time, our region was in the midst of a devastating flood event for most of our XXXXXXXX XXXX region and I became a XXXX XXXX XXXX Barclay 's steps taken alone reduced my credit score by XXXX points to XXXX. 

Here is the request for assistance that I sent to VT XXXX XXXX : 11 days agoDetails Hello XXXX XXXX  I'm writing to you hoping you can help a situation that Im challenged by. Here are details : RE : Barclay Advantage MasterCard XXXX My credit score is something I closely manage and have been aiming for an XXXXXXXX credit score. It had been XXXX most recently except for a recent issue with the referenced account that plunged my credit score XXXX points to XXXX. I'm not sure that my credit score had ever been this low. 

I don't use this credit card very often and was very surprised to see a personal email saying my account was seriously past due. I don't use my personal email very often. This credit card was supposed to be set to paper statements. I have had great difficulty trying to access this account online and finding someone to talk with when I call the help line. I spoke with someone there today who said I've had 18 late in payments since the account was opened with them. My reply was that I had had a credit score of almost XXXX, with a very strong payment history with everyone. 

I'm attaching the statement for period XXXX. I don't believe I received this account statement, so responded with full payment when I noticed the " You are seriously past due '' in an email. Each of the last two statements charge {$30.00} or {$40.00} + interest on very small balances. My credit history has been very adversely affected. 

I'm really hoping you can help. I have other credit card statements, but I'm concerned that other people are also receiving this bad treatment. 

Please let me know if I can tell you more. 
Thank you for any consideration. 

XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX XXXX cell 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 2023-11-22 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: CT

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX Closed accounts : XXXX  # XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One card says that primary card holder is eligible for {$300.00} travel credit when booking through the portal, but does not specify that it has to be booked through the primary and holder portal. Authorized user booked flight for primary card holder through the portal and did not get the {$300.00} travel credit, even though in the fine print there was nothing indicating that this transaction was not eligible. Moreover, when the authorized user logs into the travel portal, one of the first travel benefits that pop up is the {$300.00} travel credit ( without disclosure that only primary card holder is eligible ). This feels highly deceptive as bank refuses to apply travel credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management has sent my job a garnish wages court order. My job is taking the money out my income and the dob doesnt even match

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I have a debit visa card / checking account with Schwab- I was on vacation in XXXX XXXX XXXXXXXX XXXX 2 months ago and I believe that a merchant " skimmed '' my card for 2 transactions for a total of usd {$2700.00} on XX/XX/2023 - I reported it to Schwab / VISA and was given a provisional credit while the investigation was on. Now 2 months later I got a letter from Schwab / Visa that says they denied my credit and are taking it back. I have no idea whom took my money and how do I get it back? 

Since I originally got the money from Schwab I did not ask questions. It also happened in XXXXXXXX XXXX XXXX XXXXXXXX And i had the card with me besides when I gave it to the waiter to pay more my diner. I believe that a business 'skimmed or cloned ' my card ( - Im not sure but its my best guess } my card never left my possession. All I know is that someone stole {$2700.00} from my Schwab checking acct. all I know is that XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX money and I am clueless who this is or how I can not be covered my visa? I got nothing - Schwab canceled the card right after I called them and sent me another card how ever they are now taking the {$2700.00} Back in 5 days Please see attached letter and bank statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IA

Complaint narrative:
Hello US Bank, i filed a fraud claim on XX/XX/XXXX for MULTIPLE ATM Transactions on my debit card ending in XXXX. EVERY ATM WITHDRAWAL IN MY CHECKING ACCOUNT IS UNAUTHORIZED. 

Total Transactions : XXXX. 

The total amount stolen out of my account via ATM Fraud was over {$2800.00}. I have my new card number and stuff already coming to me in the mail.

Im not sure if every atm transaction was included in my fraud claim because i only received {$1600.00} back in Provisional Credit, i still havent gotten all my money returned to me and im not sure whats going on

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 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
First Republic was bought by chase and in process of managing my mortgage I was informed Chase retained personal information as well as login information from over 10 years ago. This was at no point disclosed to me. Chase has indicated this is their process and have no duty to inform clients of such. They have further indicated that as this is their policy they have done nothing wrong and have no duty to inform if there are data breaches or other concerns with the retention of ones information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I was told I had to buy all the packages with the car loan and I was told I was getring a 4 % interest and at signing it was at 8 % but I immediately told him I was not paying 8 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: CA

Complaint narrative:
I am filing this complaint to EXPERIAN there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. 
I have also attached my FTC report with the report number 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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc.
State: CA

Complaint narrative:
Grain technology has an outdated app and hasnt had a working payment processor in 2 months. When trying to make my payment they didnt allow it to go through. They have now figured out their problem and are utilizing a new processor but flagged my account as 30 days late and tanked my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is absolutely ruining my life. They refuse to provide my credit report online, but they continue to drop my credit score by 30 points or more every month. Since XX/XX/2023, I have paid off ( 1 ) {$230000.00} mortgage account, ( 2 ) {$50000.00} home equity line of credit ; and ( 3 ) a personal loan for $ XXXX. However, TransUnion continues to drop my score. I called Transunion to tell them that I am suing a car dealer called XXXX for nearly $ XXXX in repair bills. XXXX committed fraud by signing documents on my behalf. The case is currently before a judge in XXXX XXXX, Florida. When I asked Transunion to investigate, they told me to go online and dispute it. I went online and was not able to dispute XXXX. I want to clear up discrepancies on my credit report, but Transunion is not providing me with the opportunity to do so. Please I need your assistance

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 2023-11-22 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: IL

Complaint narrative:
my information was sold and bought illegally because I was victim of the XXXX data breach I want these items Deleted from my credit report effective immediately I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing .Please help me delete these illegal accounts from my credit reports. 

US DEPT. OF EDUCATIONXXXX 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 2023-11-22 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: IL

Complaint narrative:
my information was sold and bought illegally because I was victim of the XXXX data breach I want these items Deleted from my credit report effective immediately I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing .Please help me delete these illegal accounts from my credit reports. 

US DEPT. OF EDUCATIONXXXX 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 2023-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received a message from my mother in who I do not have contact with advising American Express has reach out to her regarding my account. I called American Express to ask HOW they received my mothers contact information for whom has no association to my application. I didnt not add her contact information or phone number as a reference. They informed me that they have XXXX my name and contacted any number to ask if they know my regarding my affairs. This made me feel completely violated and my information exposed. They gave her a call at XXXX XXXX is the manager of internal collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Contacted common wealth financial and they wanted my credit card information to check my credit report I felt uncomfortable so I called the original creditor which is XXXX XXXX XXXX and gave them my information and they had no records for either myself or my son and stated they dont even use commonwealth as their debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-11-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On or around XXXX XX/XX/XXXX I filed CFPB complaint XXXX. XXXX closed the complaint alleging it was a duplicate of CFPB complaint XXXX. I have filed disputes with both XXXX and XXXX to fix errors for the account/tradeline. XXXX alleges the account was charged-off. The CO annotations can only exist with respect to an accurate Date of First Delinquency ( DoFD ). According to XXXX data, the alleged CO status and monthly " CO '' derogatory indicators for this acct/trade begin XX/XX/XXXX. Yet documents generated by XXXX 's own system allege the CO took place in XXXX XXXX. What's more XXXX alleges the CO too place in XX/XX/XXXX. TransUnion and XXXX data exhibit similar anomalies for the account/tradeline. Clearly there is a discrency between the dates XXXX alleges the balance for the account was changed to loss. XXXX, XXXX, and TransUnion need to prove the DoFD was within the 150 days immediately prior to the CO date they are reporting the first CO annotation, or remove any and all derogatory CO markings they are reporting for the payment history with status codes, and remove any charge-off narratives.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On or around XXXX XX/XX/XXXXXXXX  I filed CFPB complaint XXXX. XXXX closed the complaint alleging it was a duplicate of CFPB complaint XXXX. I have filed disputes with both Equifax and XXXX to fix errors for the account/tradeline. XXXX alleges the account was charged-off. The CO annotations can only exist with respect to an accurate Date of First Delinquency ( DoFD ). According to XXXX data, the alleged CO status and monthly " CO '' derogatory indicators for this acct/trade begin XX/XX/XXXX. Yet documents generated by XXXX 's own system allege the CO took place in XXXX XXXX. What's more XXXX alleges the CO too place in XX/XX/XXXX. XXXX and Equifax data exhibit similar anomalies for the account/tradeline. Clearly there is a discrency between the dates XXXX alleges the balance for the account was changed to loss. XXXX, Equifax, and XXXX need to prove the DoFD was within the 150 days immediately prior to the CO date they are reporting the first CO annotation, or remove any and all derogatory CO markings they are reporting for the payment history with status codes, and remove any charge-off narratives.

Company response to consumer: Closed with non-monetary relief