vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Never moved in to the apartment. I requested apartment complex to terminate the contract just 23 hours after signing it off online. I paid for the first month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I currently have an American Express Blue Business Plus credit card. Via an online promotional offer, I added two Employee cards, one on XX/XX/XXXX, one on XX/XX/XXXX. The terms of the offer were as follows : spend {$4000.00} per card within 6 months, earn XXXX Membership Rewards points. 

The spend for each card was completed around XX/XX/XXXX. On XX/XX/XXXX, I received only XXXX bonus points for each card. The code attached to each bonus reads : XXXX a XXXXXXXX XXXX XXXX XXXX. This is the incorrect offer. I should have been awarded XXXX bonus points, not XXXX. 

On XX/XX/XXXX, I called about the missing points and was told that a case would be opened and I would hear back within 48 hours. I never heard back. I called again on XX/XX/XXXX and spoke with a different customer service agent, who was able to see the case in the system. However, nothing had been done. This agent told me the case would be escalated and I would hear back within 7-10 business days. 

As of today, XX/XX/XXXX, I have had no communication regarding this incorrect bonus from American Express. 

The page I clicked through clearly stated the terms of the bonus. I never would have added an employee card with the terms of the bonus received because American Express frequently offers better bonuses. In fact, just 3 months later I added three employee cards through another promotional page. The terms of the second offer were : spend {$2000.00} within the first 6 months, receive XXXX additional XXXX XXXX. I have completed the spend for one of the cards and did in fact receive the correct bonus points. 

I do not have screen shots of the original offer because frankly, I shouldn't have to take screen shots of every single action I take with every single bank. Banks should honor the terms of the contract they enter into, and are in fact legally obligated to do so. I have upheld my side of the contract ; now American Express needs to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Credit card debt
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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
XXXX I'm getting harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
At the time of Charge off/ Write off the Creditor never sent me a 1099-C Form.

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 2024-05-26 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: OH

Complaint narrative:
At the time of Charge off/ Write off the Creditor never sent me a 1099-C Form.

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 2024-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been locked out of my web, and app access for eight weeks. 
I am unable to make payments on my account. We changed the password, I tried different web browsers, and computers. Capital one can't post payments with customer service with debit cards, and electronic checks with routing numbers. I sent in a bank check to the payment center. I was told that they were unable to post that payment either when I called them. I have not received any communication from capital one at all concerning this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: Financial Assistance Inc
State: IL

Complaint narrative:
On or about XX/XX/year>, Financial Assistance Inc received a cease-and-desist notice instructing them to immediately halt communication regarding the subject matter. This notice also explicitly outlined the only permissible ways for them to communicate with me about this purported debt. Financial Assistance Inc acknowledged receipt of this notice in their response to my XXXX  complaint ( XXXX ) by stating : " XXXX acknowledges that we received the consumers cease-and-desist notice on XX/XX/year>. XXXX has noted the file accordingly and taken precautions to prohibit any outbound collection activities on this account. No further contact with the consumer has been, nor will be made. However, the presence of a cease-and-desist notice does not preclude FAIs continued credit reporting of this {$400.00} debt. '' Therefore, XXXX is knowingly choosing to ignore and violate the provisions of 15 USC 1692c ( c ) Ceasing communication. 

Federal law defines communication as : " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' This means that any act of sharing information about a debt, whether done directly or indirectly, using any means or method to convey that information to any person, constitutes communication. 

On XX/XX/year>, Financial Assistance Inc deleted their trade line from my XXXX consumer report. However, they continue to report their trade line on my XXXX and XXXX consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: MO

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 XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ). ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any 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.

15 U.S.C 6802. I did not receive the required opt-out notice at the time the account was created and now being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-26 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate : XXXX XXXX XXXX XXXX PARTIAL 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 2024-05-26 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:
Hey it show a late payment on my credit report. I was never late on my account. Loan number XXXX show I was late in XXXX and I was not please fix and correct.

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 2024-05-26 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: DE

Complaint narrative:
Equifax, XXXX and XXXX XXXXXXXX XXXX XXXXXXXX are violating my consumer rights by reporting a late payment for the account ending XXXX, XXXX year> that they have not proved to be verified as accurate. ( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge Company information Equifax continues to violate my consumer rights, which I deem harmful to my financial health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
My venmo account says suspended, the company, venmo never notified me in writing about the account and I did nothing to violate the terms and conditions of my user agreement with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The bank holding my mortgage ( XXXX XXXX ) was taken over by Chase with the assurance that all ACH instructions would remain in place and there would be no issues. The attached spreadsheet and accompanying statements detail ( XXXX ) funds credited to the mortgage that were not deducted from my checking account in XXXX ( XXXX ) funds sent from my checking account that were not credited to my mortgage in XXXX, and ( XXXX ) automatic payment not sent in XXXX although the XXXX payment went through fine. In XXXX while out of the country, I checked e-mail and received a notice that I was in arrears and called Chase and made a double payment over the phone. There was no explanation as to why this might have happened from them. I would like to know where the XX/XX/year> {$1500.00} ended up. This has negatively affected my credit and I want them to reverse this action and restore the good credit that I have worked a lifetime to keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I just received my credit report I noticed that you guys are reporting this account incorrectly this we'll figure it out but shows a past due balance of XXXX according to the FCRA XXXX I have the right to an accurate credit report please remove this account from my credit report please provide me a copy of my new credit report reflecting this account upon the completion

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 2024-05-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I just received my credit report I noticed that you guys are reporting this account incorrectly this we'll figure it out but shows a past due balance of XXXX according to the FCRA , I have the right to an accurate credit report please remove this account from my credit report please provide me a copy of my new credit report reflecting this account upon the completion

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: GA

Complaint narrative:
I noticed on my credit report there are unauthorized inquiries XXXX : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX Transunion : XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-05-26 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-26 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: IN

Complaint narrative:
I have recieved my Copy B form from my 1099C cancelation of debt for XXXX XXXX loans. Amount of debt canceled and forgiven of {$13000.00} at the time it was along with any update amount showing now. As well as another Copy B form i have recieved for XXXX XXXX XXXX XXXX loan account. Form 1099C cancelation of debt to be properly updated on my XXXX  credit score as paided as agreed as the debt was also canceled and forgiven. Both 1099C forms i will attach to this compliant for my student loan and car loan account to be properly reflected and finilized for my XXXX credit report and Transunion as shown.

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 2024-05-26 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:
Hey it show a late payment on my credit report. I was never late on my account. Loan number XXXX show I was late in XXXX and I was not please fix and correct.

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 2024-05-26 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: IL

Complaint narrative:
Hey it show a late payment on my credit report. I was never late on my account. Loan number XXXX show I was late in XXXX and I was not please fix and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: IL

Complaint narrative:
I got a vehicle financed by XXXX XXXX in XXXX, I was paying the loan on time, but they repossessed my car fraudulently when I had my payments done ... the reason : I told them I lost my job due to the pandemic and I asked them ( XXXX ) that If they could extend my payments for few months to the end in case it will take time for me to get a job, but my payments were totally on time ; the agent started insulting me and threatening me with horrible words until the point that I told him : " then come and take your vehicle '', they repossessed the car in XX/XX/XXXX ( but they wrote XXXX ) and sold it in XX/XX/XXXX. I have the letter and my last payment in XX/XX/XXXX I'm embeding with this letter. The case was solved about 4 or 5 times closing the account and they keep bringing it back like if I still have the car and I'm behind payments. The last time I talked to them was in XXXX and I got disrespected, insulted and the interaction ended in a fraudulent repossession when I was on time with my payments. I hope you can help me, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 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:
I check my credit report and see inaccurate information on it. It's show late payment that don't add up please removing and delete this account. XXXX XXXXXXXX XXXX XXXXXXXX. It say 30 days late for 2 times and 60 days late 2times and 90 days late 3times. This is all inaccurate information. Please remove this account.

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 2024-05-26 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: MO

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 XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ). ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any 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.

15 U.S.C 6802. I did not receive the required opt-out notice at the time the account was created and now being reported.

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