vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Transaction numbers : XXXX and XXXX provided and PayPal is refusing to refund me or take actions against the fraudster, XXXX XXXX XXXX. I sent and he received {$69.00} for a proposed Initial set up services fee plus a {$99.00} PROMO discount fee. Yet, XXXX pushed the themed that he was a massaeur and going to provide massage therapy sessions, per my request. Unfortunately, last minute ( yesterday ) and send a message, " something came up '' and he needed to postpone. I learned today that the " something that came up '' involved his " grandma '' who needed funds to cover for her " XXXX '' treatments. He proceeded to request more money from me and when that did not work, he asked that I send him a second payment of {$99.00} to which I responded, " I do not feel comfortable doing that, '' and STRONGLY encouraged him to reach out to PayPal ( if he did not receive the funds ) to find out what was happening. Ultimately, PayPal excused themselves from the matter and XXXX XXXX has sought to end any further communications with me. SCAMMED, " fantasy romance services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This company is in violation of FCRA. They are reporting this collection account on my credit report with an " Open '' status. This is inaccurate reporting and therefore this collection account needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: PA

Complaint narrative:
I have not been able to satisfactorily have this matter resolved. I am being reported as being late on my XXXX XXXX XXXX  account XXXX XXXX on the dates XX/XX/2022 and XXXX XXXX XXXX These are errors as I was never late! Along with this I have discovered other inconsistencies on my credit reports. For example the Date Opened and the Date Last Active are completely different on the accounts. How can that be? I do understand my rights according to the FCRA and 15 U.S.C 1681e - Compliance Procedures- that at a very least all information reporting on my consumer report has to be 100 % accurate, verified and consistent. It is not. I have attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: PA

Complaint narrative:
I have not been able to satisfactorily have this matter resolved. I am being reported as being late on my XXXX XXXX XXXX account XXXX XXXX on the dates XX/XX/2022 and XXXX XXXX XXXX. These are errors as I was never late! Along with this I have discovered other inconsistencies on my credit reports. For example the Date Opened and the Date Last Active are completely different on the accounts. How can that be? I do understand my rights according to the FCRA and 15 U.S.C 1681e - Compliance Procedures- that at a very least all information reporting on my consumer report has to be 100 % accurate, verified and consistent. It is not. I have attached documentation.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my consumer report and noticed there were 3 unauthorized hard inquiries ; XXXX XXXX, XXXX, SXXXX XXXX XXXX that were on my report due to reported inaccuracies or someone applied for something in my name, these inquiries are affecting my credit negatively.

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 2024-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Their app didnt show a payment was due after my loan was transferred to them so we didnt make a payment. After 2 weeks we starting receiving harassing calls stating we missed a payment and its a debt collection. I contacted several people and managers and explained the situation. This was their fault that the app wasnt updated. They apologized and said theres nothing we can do and we have to make a payment even though this wasnt our fault. After contacting several more people who didnt speak English I finally was in contact with someone who finally offered a payment plan to help us catch up. It was then reported to me credit I was late on a payment! I have never been late on a payment and started a dispute. ( It has since been taken off my credit report ) She stated she would follow up with me the following day and never returned my call. When calling back and requesting to speak with her mo one would connect me and no call was ever returned. Even after the payment plan was set up we were receiving multiple calls a day saying it was an attempt to collect a debt. I continued to call and try to speak with a manager and was offered a different type of payment plan to help us catch up. And we have made several payments at this point. Now we have entered into another payment plan!!!! Fast forward 4 MONTHS and 2 Payment plans later we are still receiving debt collection calls several times a day, weekends, holidays, late nights, up until XXXX at night. When we try to answer it we either get an automated call or someone just hangs up! I am so fed up with this disgusting company!!! If I could transfer my loan to another company I would!! They are horrible!!!

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my consumer report and noticed there was a collection account opened back in XXXX XXXX XXXX with XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX, I have no knowledge of this account, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.

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 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc.
State: TX

Complaint narrative:
On XX/XX/2024, I used ATM XXXX Terminal Number XXXX located inside a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX at XXXX pm. I went to get a withdraw of {$120.00} from my debit card ( Wise by ADP ) everything seemed smooth until the ATM never dispensed the money requested. The money never came out of the machine but the transaction receipt did and it said that the transaction was successful and my current balance showed now it was {$0.00} XXXX notified the gas station clerk and she said I was the 2nd person with the same issue on the same day, she also mentioned that the ATM was refilled that day. She provided the number of the ATM customer service number located at the bottom of the machine. I contacted customer service until they told me to contact my cardholder financial institute and tell them to apply REGULATION E. I contacted my financial institution and reported REGULATION E as I was told to do so by the ATM Customer Service. My financial institution informed me that it takes from 45 to 90 days to resolve this issue and get the money back. Please understand that this was an cash advance from my paycheck for urgent medical purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2023 I was informed that my mortgage was being sold to Chase and that Chase would continue my automatic ( bi-weekly ) payments ; nothing was needed. Then I got an email saying it didn't go through for some reason. I resumed automatic payments. In XXXX I started receiving calls from Chase but no voice mail was left. In addition, Chase 's phone number is flagged as spam by my carrier for some reason. Chase called several times from a strange number and never left a voice mail indicating anything was wrong. I called them and they told me I was somehow behind on my payments and that I needed to make an extra payment because I am supposed to pay ahead of time when on a biweekly payment amount, even though nothing changed. Somehow I was able to come up with an extra grand and the waived the " late fee ''. Now in XXXX I am getting calls again from the same " scam likely '' call, no voice mail whatsoever. I reach out and they explain that somehow, I am behind on a payment because they didn't apply the payment right ; they applied the extra payment they told me to send them to the wrong bucket and somehow it's again my fault, requiring me to call and wait for them to fix their issue. 
At this point is is starting to sound like this is a pattern with Chase. This sounds like something XXXX XXXX would do to keep people in vicious cycle of never ending late fees. Despite them waiving this extra late fee I am seriously concerned why I need to reach out to the bank to help them correct the issue and why they call, refuse to leave ANY voice mail and make me track them down. Again, this seems like a pattern of deceptive business practices and I am hopeful CFPB can rein in this awful bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
This is a business account owned by my XXXX XXXX XXXX father who is suffering from XXXX and other terminal illnesses. He is was not able to keep track of his bank account transactions. I am now handling his finances and authorized to do so ( on file with the bank ). I noticed the fraudulent charges and contacted Chase bank fraud department within minutes of reviewing his account. 

There are 12 fraudulent charges totalling {$24000.00}, all from the same " vendor ''. 10 of the 12 charges have been reversed. A charge of {$5000.00} on XX/XX/2022 was not reversed. A charge of {$5000.00} on XX/XX/2022 was not reversed. Chase bank is stating the error was not reported in a timely manner. 

Chase bank failed to protect my elderly father 's account resulting in a {$10000.00} cost to him. The Chase bank internal policy is the only reason they refuse to refund his funds. Two separate claims were denied to reverse these charges. Please assist me in recovering his money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$5200.00} XXXX -- XXXX RXXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX - {$3000.00} In good standing This amount was above my {$2500.00} credit limit, unbeknownst to me. 

All charges were approved. 

Account was PAID IN FULL BEFORE DUE DATE but was reported anyway, which caused my score to drop by almost XXXX points. 

I phoned Barclays ands asked for credit increase to prevent another occurrance, they stated it would require a hard inquiry. 

I SPECIFIALLY DECLINED PERMISSION FOR A HARD INQUIRY - AS THIS WOULD FURTHER HURT MY SCORE- WHICH APPARENTLY WAS MADE ANYWAY 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 2024-02-17 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: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: IL

Complaint narrative:
Hi my name is XXXX XXXX Im writing this notice because Ive been paying my cards on time I have came across something interesting I'm requesting you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit report to the address stated above I have recently reviewed my credit report and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers XXXX XXXX XXXX XXXX account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC $ 1681b, it is evident that there may have been a violation of my consumer rights. 
The law explicitly states : " ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly Accitionally according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subiect to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. In light of this, I kindly request the removal of the late payments from my consumer report, as they may be in violation of 15 USC 1681. Ilook forward to your prompt attention to this matter and a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 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: FL

Complaint narrative:
In accordance with the fair credit reporting act account # Account info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Has violated my rights. 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.

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 2024-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
They keep reporting to credit bureaus that its my account. My name is XXXX first of all so who is XXXX. Second I dont know who is a XXXX. Tell XXXX to prove I stepped foot on there property. Tell XXXX to prove I signed a contract with a witness. You know cause thats how contracts are suppose to be signed. Tell XXXX to prove that I ever had any affiliation with them. They cant cause they will get sued and yall cant prove it either. That aint my name on that contract and none of that is my information. PROVE IT until then remove it or I will take it to court cause yall will not get XXXX cent out of me. And CFPB if it was mines yall going against everything yall back up. All this is violating my rights, 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. And they are fraudulent adding stuff to my credit and CFPB yall just closing it out when none of that is my information and they havent provided proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: SC

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