vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My account with ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section XXXX ( 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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX account needs to be remove from my credit profile because it was identified as identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/2027 I called the original creditor TD Bank USA/ Target Credi Phone number : XXXX in regards of getting information on the account of asking for a 1099 c form since the credit card debt was paid off. Was told by the representative that my old account was in a collection agency name XXXX XXXX XXXX. The phone number that was given to me was XXXX. Called multiple times throughout the day for two days with no response to ask for a 1099 C form since the debt was paid by them and should be reported at a {$0.00} balance, and according to Law FRCA section 605B, it is illegal to report any information on my credit report without my permission which I have not given. This matter needs to be investigated and deleted. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
You are required by FCRA XXXX to delete any wrongly reported accounts from my credit report. Please check the documents, as some accounts have incorrect reporting, amounts, and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Don't trust CapitalOne. After I paid off my balance in full, CapitalOne kept charging me interest and fees. 

On XX/XX/XXXX of 2024, I used on the online payment feature to pay my prior month 's balance of XXXX in full, which was reflected in my XXXX statement. I made no further purchases as I stopped using the card. 

Despite the fact that I paid my balance in full, CapitalOne charged me {$35.00} in interest. 

Worse, each month that this {$35.00} was outstanding they charged me fees ranging from {$29.00} to {$40.00} - well in excess of any reasonable interest rate on the underlying {$35.00}. 

When I called to correct this situation, CapitalOne refused to address it. They apologized that their own online banking system had not told me the full amount that would be due, but would not take any corrective actions. Even though I felt the initial {$35.00} interest charge was unreasonable, I offered to pay that in exchange for waiving the usurious fees, but they would not. 

I did the right thing in XXXX by paying off my balance in full - subsequently charging me interest and then adding fees that doubled the amount due the next month ( e.g., a XXXX annual interest rate ) is unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-29 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.

Complaint narrative:
To Whom It May Concern, This Is my EIGHTH written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX  Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified  Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. XXXX XXXX Open options Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX This is my final warning. I am currently working with a law firm to sue the XXXX reporting agencies and especially the consumer finance protection bureau for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: PA

Complaint narrative:
My XXXX loan account is reporting inaccurate late payments on the account. According to my Transunion, XXXX, and XXXX The student loan company reported a one time 90 past due late payment on XX/XX/year>. How can the payment be 90 past due late on XX/XX/year> but in XXXX, XXXX, XXXX, XXXX, XX/XX/year> the 5 months before the so called late 90 day everything was reported as on time and Current/ terms met. It is not accurate and it should be removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My XXXX loan account is reporting inaccurate late payments on the account. According to my XXXX, Equifax, and XXXX The student loan company reported a one time 90 past due late payment on XX/XX/year>. How can the payment be 90 past due late on XX/XX/year> but in XXXX, XXXX, XXXX, XXXX, XX/XX/year> the 5 months before the so called late 90 day everything was reported as on time and Current/ terms met. It is not accurate and it should be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My XXXX loan account is reporting inaccurate late payments on the account. According to my XXXX, XXXX, and Experian The student loan company reported a one time 90 past due late payment on XX/XX/2019. How can the payment be 90 past due late on XX/XX/2019 but in XXXX, XXXX, XXXX, XXXX, XX/XX/2019 the 5 months before the so called late 90 day everything was reported as on time and Current/ terms met. It is not accurate and it should be removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Charge offs on my debit card false credit reports unauthorized usage of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kimball, Tirey & St. John LLP
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> Amount ( {$680.00} ) Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint XXXX XXXX XXXX XXXX XXXX XXXX for XXXX Collection Activity Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX agency that has reported me to collections for a debt that I have no knowledge of and never authorized. 

I have never conducted any business with XXXX XXXX & XXXX XXXX, nor have I given them permission to act on my behalf in any financial matters. Their unauthorized actions have caused significant distress and adversely affected my credit score. 

XXXX XXXX XXXX XXXX XXXX actions are in violation of multiple provisions under the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692f ( 8 ) - Prohibition against unfair practices : The company has used unfair and unconscionable means to collect a debt that I do not owe.

15 U.S. Code 1692d ( 1 ) - Prohibition against harassment or abuse : The company has engaged in conduct which is designed to harass, oppress, or abuse me by reporting an unauthorized and non-existent debt.

15 U.S. Code 1692d ( 2 ) - Prohibition against harassment or abuse : The company has used language and means of communication that are abusive and harmful. 
I am requesting the following actions to rectify this situation : An immediate investigation into this matter by XXXX XXXX & XXXX XXXX. 
XXXX removal of this erroneous collection account from my credit report. 
A written confirmation from XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies that this collection account has been removed. 
Enclosed with this letter, you will find copies of my dispute letters to the credit reporting agencies and any relevant documentation supporting my claim. 

I trust that the Consumer Financial Protection Bureau will act promptly to address this serious issue and ensure that XXXX XXXX & XXXX XXXX XXXX this mistake immediately. Thank you for your attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: Synovus Bank
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I HAVE NOTICED SEVERAL ITEMS PUT ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE I HAVE HAD MY PERSONAL INFORMATION STOLEN IN THE PAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX, I lost my job and requested options regarding mortgage. BSI offered a forbearance but failed to explain that full amount of payments would be due at conclusion. I planned to resume payments XX/XX/XXXX. BSI started foreclosure upon completion and simultaneously set sheriffs sale. I received assistance from a HUD certified XXXX and applied for HUD partial claim and which was approved. BSI sent partial claim paperwork, I executed and returned within deadline of XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX, BSI called and informed me that HUD denied my partial claim and that my only options were to cure delinquency in full or sell property before sheriff sale on XX/XX/XXXX. No formal denial letter has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: OH

Complaint narrative:
On about XX/XX/year> I logged into my chase account and noticed unauthorized transactions from a company XXXX XXXX  These transactions were thru XX/XX/XXXX, XXXX XX/XX/year>. I immediately called my bank to report this. I was given a claim number and a couple days later I was given a temporary credit. A couple days after that the credit was reversed. I went in a branch after this to escalate my dispute and asked why it was reversed. I was told I could not be given an information at the time but my dispute had been escalated. Since then I have heard nothing from the bank about my dispute whatsoever. This was a new account and Ive barely used it. I have never had any relationship with the company XXXX XXXX. And Ive never authorized any transactions with them whatsoever not credit or debit or anything. I didnt authorize these to. And the bank is refusing to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: LEXISNEXIS
State: NY

Complaint narrative:
I submitted to have items blocked on my report. 
The Regulations dictate specific time frames within which consumer reporting agencies must respond after receiving a request for blocking 4 business days Block the reporting of any adverse item of information identified by the consumer 5 business days Notify a consumer if additional information is necessary for the purpose of completing the submission and attempt to resolve any deficiency in the consumer 's submission I have not receive anything and the items are not blocked. This is in violation section 605C of the Fair Credit Reporting Act for human trafficking survivors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
They keep calling me everyday most of the time I get different numbers and its them. And they started calling my job as well too. Its so frustrating and uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
Credit was pulled by Factual Data without any consent whatsoever. It was a hard inquiry. Now mortgage companies are calling to sell me mortgages. Need to dispute this as no authorization was given

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Briefly, over the past week ( XXXX XXXX ) numerous attempts to use, or convert, a fully activated American Express XXXX XXXX to accessible funds ANYWHERE ( in-store and online ) have been denied. There is a {$1000.00} balance on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Received a credit card in mail and I never activated it. Then received email on XX/XX/year> stating that I have an account. Then called, on XX/XX/year>, the card company to close it. They did and started an investigation. But they told me it was used in XXXX  for {$500.00}, XX/XX/year>, and I live in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
MNT Bank in XXXX, Delaware and MNT Bank in XXXX Delaware I requested money to be put into an account and a mat cost us in XXXX Delaware shut down my account money was supposed to flow to my businesses, XXXX, etc. also embezzlement account they will not open a new account could you please contact business facilities

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