vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated 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, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
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 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit reporting act - XXXX XXXX XXXX XXXX XXXX XXXX county- 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 a account without my writing 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 non-monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to dispute the late payment reported in my credit reports as a result of wrong information reported by XXXX XXXX. I have 30 days late payment reported in my credit report of XX/XX/XXXX. I have had this account for about two years now and never was there any late payment because I did set up an automatic payment. However, in late XXXX or early XX/XX/XXXX I called XXXX XXXX and requested to have the interest reduced since my finances were tight then due to COVID-19 financial effects. XXXX refused to extend help to me to lower my monthly payment even after I explained that I would have problems making the minimum payment. The agent advised that perhaps if I had some missed payment I could qualify for a program. I told agent I would pay whatever I had. 

I called again in XX/XX/XXXX and wanted to get the payoff amount because my finances improved. The agent asked if I wanted to pay off the complete balance and I said yes. I did not know that the agent turned off automatic payment I had and that was why there was no payment in XX/XX/XXXX. However, when I received an alert message from XXXX in XX/XX/XXXX, I hurriedly made payment of {$70.00} on XX/XX/XXXX ( please check ). Then on XX/XX/XXXX, I paid off the balance ( please check ). 

I have never had late payment I paid on time and with automatic payment set up ; I called to get a payoff amount ; I continued to pay even when I had difficulties ; I made payment when I got an alert that payment was missed ; I paid off the card ; I have continued to use card and have continued to make payments ' I have written XXXX XXXXXXXX in XXXX and in XXXX to remove the late payment but they have refused. 

Thank you very much. 

Sincerely,

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 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to dispute the late payment reported in my credit reports as a result of wrong information reported by XXXX XXXX. I have 30 days late payment reported in my credit report of XX/XX/XXXX. I have had this account for about two years now and never was there any late payment because I did set up an automatic payment. However, in late XXXX or early XX/XX/XXXX I called XXXX XXXX and requested to have the interest reduced since my finances were tight then due to COVID-19 financial effects. XXXX refused to extend help to me to lower my monthly payment even after I explained that I would have problems making the minimum payment. The agent advised that perhaps if I had some missed payment I could qualify for a program. I told agent I would pay whatever I had. 

I called again in XX/XX/XXXX and wanted to get the payoff amount because my finances improved. The agent asked if I wanted to pay off the complete balance and I said yes. I did not know that the agent turned off automatic payment I had and that was why there was no payment in XX/XX/XXXX. However, when I received an alert message from XXXX in XX/XX/XXXX, I hurriedly made payment of {$70.00} on XX/XX/XXXX ( please check ). Then on XX/XX/XXXX, I paid off the balance ( please check ). 

I have never had late payment I paid on time and with automatic payment set up ; I called to get a payoff amount ; I continued to pay even when I had difficulties ; I made payment when I got an alert that payment was missed ; I paid off the card ; I have continued to use card and have continued to make payments ' I have written XXXX XXXXXXXX in XXXX and in XXXX to remove the late payment but they have refused. 

Thank you very much. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute the late payment reported in my credit reports as a result of wrong information reported by XXXX XXXX. I have 30 days late payment reported in my credit report of XX/XX/XXXX. I have had this account for about two years now and never was there any late payment because I did set up an automatic payment. However, in late XXXX or early XX/XX/XXXX I called XXXX XXXX and requested to have the interest reduced since my finances were tight then due to COVID-19 financial effects. XXXX refused to extend help to me to lower my monthly payment even after I explained that I would have problems making the minimum payment. The agent advised that perhaps if I had some missed payment I could qualify for a program. I told agent I would pay whatever I had. 

I called again in XX/XX/XXXX and wanted to get the payoff amount because my finances improved. The agent asked if I wanted to pay off the complete balance and I said yes. I did not know that the agent turned off automatic payment I had and that was why there was no payment in XX/XX/XXXX. However, when I received an alert message from XXXX in XX/XX/XXXX, I hurriedly made payment of {$70.00} on XX/XX/XXXX ( please check ). Then on XX/XX/XXXX, I paid off the balance ( please check ). 

I have never had late payment I paid on time and with automatic payment set up ; I called to get a payoff amount ; I continued to pay even when I had difficulties ; I made payment when I got an alert that payment was missed ; I paid off the card ; I have continued to use card and have continued to make payments ' I have written XXXX XXXX in XXXX and in XXXX to remove the late payment but they have refused. 

Thank you very much. 

Sincerely,

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 2022-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The companies I'm complaining about is CapitalOne and, probably to a greater extent, Visa. 

I made a large payment to furniture company named XXXX and XXXX In XX/XX/2021 for a chaise longue to be custom built and delivered. The chaise was set to be delivered at a time frame of roughly 16 weeks, with the rest of the payment sent at different stages throughout the process ( starting, completion and shipping, delivery ). 

As the weeks ticked on, I was informed about more and more delays. Eventually, a year passed and the company stopped responding. It turns out they'd gone bankrupt. 

I made every attempt to contact XXXX & XXXX, to no avail. Okay, I get it. Companies go bankrupt. 

My complaint is not about XXXX and XXXX, and here 's where it gets good. 

I called CapitalOne- the provider of the credit card that I used - informing them of the situation and asking if I had a case to dispute. I was informed by the representative that yes, since the merchant effectively welched on their contract that I did have a case. I was sent a very generic form and asked to send the form in. 

One month later, the dispute was denied. 

I called CapitalOne to ask why the dispute was denied - after a polite but intensely tedious run with three customer service agents, I finally made it to a manager who informed me that 'my documents had been sent off to Visa and had been denied, ' with the clause 'you only had 60 days from the statement date of the charge to file a dispute. It's past the 60 days. ' No matter how much I asked this final customer service rep, that was their final answer. 

XXXX reader, if you're paying attention, this illustrates an exploit of our financial system : Step 1 : open a company Step 2 : promise consumers a lovely product, to be delivered in 61 days from payment date. Only accept payment via Visa.

Step 3 : at 61 days, close the company, take the money, and run.

Step 4 : You win! Visa will not come after you or your bank, because you're protected by their 60 day guarantee! 

Visa appears to be saying to the world 'we protect criminals, scammers, and fraudulent merchants. All they have to do is set a delivery date past 60 days. '

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
My wife passed on XXXX XX/XX/2022. I subsequently contacted Rushmore Loan Management Services to request a payoff to close the mortgage. I was not listed on the mortgage, and they would not accept payment from anyone other than the deceased. I attempted to pay the balance in full since and the company rejected the payment and sent a notice of default on XXXX XX/XX/XXXX that included additional {$300.00} fees with interest. The Garn. St Germain Act doesn't prohibit mortgage assumption in these circumstances. It even encourages lenders to allow the assumption of a mortgage, either at the contract rate of interest or at a rate between the contract rate and the market rate. ( 12 u.s.c. 1701j-XXXX ( b ) ( XXXX ) ). The actions of the lender doesn't make sense considering I have the means to pay the balance in full. 

In this particular case the lender appears to be doing everything possible to extract additional fees for profit in a malicious manner under the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
So this happened to me today. Beware scammers can clone your credit card 's XXXX XXXX number. I got a call from my legitimate credit card XXXX XXXX number saying my card had been used for suspicious activity totalling {$3000.00}, would I confirm my number so they could cancel the charges and shut down my card, Wait a minute, you tell me my number, I don't tell you! He was very plausible but could not tell me my number, he wanted me to tell him. I hung up, called my bank and sure enough they had not called me, no fraudulent charges on my account, they told me scammers can now clone their number to seem legit, NEVER give out your credit card number, if it's truly your bank they already know it. Since then I got 5 calls in a row from the number on the back of my credit card calling me a XXXX, XXXX and XXXX, apparently scammers are poor XXXX!!! And my credit card bank, Capital One, say they can do nothing about it, shame on them. They won't warn their customers about this and they will do nothing to stop it happening. I am supposed to just take these abusive phone calls from their phone number and they walk away!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated 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, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/2022 I received a letter from XXXX XXXX XXXX  regarding the account XXXX which claimed that I owed them {$11000.00} and thus far they have illegally taken XXXX The amount alone shows that interest rates in excess of the amount allowed by the SCRA and Military Lending Act have been applied. Further the denial and ostensible shrouding of the the perpetuated " law firm servicing '' is an unconscionable and illegal burden to put on a veteran of the untied states.. 

I state illegally, as all of the correspondence sent to me stated my account and seized payments had been turned over to a law firm for servicing. However the correspondence never identified said law firm, nor provided any way for my to request validation of the debt, make arrangements and make sure it is within legal collection timeframe. 

Further, as a veteran, they refused to provide me with a breakdown of the original debt and interest amounts, nor a legitimate avenue to procure the aforementioned. As shown in the attached payment statement from XXXX XXXX XXXX, This creditor has violated the SCRA, CFPB regulations and the Military Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I opened the MyChoice Plus Checking '' account on XX/XX/2022 at M & T bank from a promo page XXXX XXXX XXXX 
To receive a {$250.00} bonus I had to make qualifying direct deposits totaling at least {$500.00} within 90 days of account opening. 

The promo page was found in google- it was at the top of a search by mtb bank promo keywords. 
When I clicked Redeem Online '' on the page it asked me to fill my zip into the form with the message Enter your ZIP Code so we can connect you with special offers. Once I filled my zip ( XXXX ) it displayed Good news! A cash bonus promotion is available in your area, successfully passed me through, and applied the promo code ( TC ) to the account application. When I input all the required information the account was opened. 

I got my {$500.00} paycheck ( as a direct deposit ) on XX/XX/2022 - well under the 90 days promo deadline. 
According to the promo terms, the bonus had to be credited to the account within 90 days of all requirements being met. 
It didnt happen - Ive never received that bonus. 

When I contacted the bank representative ( via secure messages ) they replied that Im not eligible for that promo as my state ( New Jersey ) was out of the promo area. 

My concern is that the promo area was not defined anywhere- neither on the promo page nor during the application. I stored corresponding screenshots and can share them as proof. 

Moreover, the fact that the page asked me to fill my zip code at the beginning with Enter your ZIP Code so we can connect you with special offers text and then successfully proceed to the application with A cash bonus promotion is available in your area tells me that my zip was validated and approved by the system for the promo. 

And one more thing - right now, if you open that promo page ( there is a {$200.00} promo available now ) and enter my zip ( XXXX ) it returns Sorry, but this offer isnt available in your area - clear enough. 
If my zip was not eligible for the promo I wish I received the same message. But it was the fully opposite experience. 

I consider the situation above as false advertising and insist that I fulfilled all promo requirements and never received information that my zip is out of the promo area. Therefore I believe the bank has to fulfill the agreement and credit me that {$250.00} bonus.

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 monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a living human being ; I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights numerous times. I request the accounts below to be removed immediately please.

According to 15 USC 1681. I have the right to privacy, and I did not give Equifax written permission to furnish this account. 

Account Name : XXXX XXXXXXXX XXXX XXXX Assigned : XX/XX/2022 Amount : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
On XX/XX/XXXX i received a alert on my experian credit monitoring account notifying me of a alleged collection account from Congress Collection. I have never done any business with this creditor, i have not consented or authorized for this fraudulent invalidated information to be furnished on my consumer report. I have never signed any contract with this creditor. I have never authorized or given permission for this alleged creditor to furnish or house any of my personal/private information. I have never received any notice from this creditor before it was reported to my comsumer report, I have no knowledge of this alleged debt. On XX/XX/XXXX I sent in paperwork requesting validation of this alleged debt and cease & desist correspondence if the alleged debt can not be verified and validated per FCRA requirements. I have yet to receive any of the proper paperwork, I spoke with XXXX XX/XX/XXXX at approximately XXXX expressing that they were still illegally reporting to my consumer report without verifiable validation information I requested. I notified XXXX to please cease and desist any and all communication If they can not verify or validate this alleged account is indeed mine. Without proper paperwork i can not be sure that this alleged debt is mine. XXXX acknowledged receiving my request and stated even without the required paperwork or information to validate this account is indeed mine she still was allowed to have my personal information and report it to my consumer report without my consent. I know that not to be true and they are breaking the law! I feel I have no other choice but to file this complaint with the CFPB because this company is breaking the law and trying to coerce me into payment of a invalidated alleged account thats causing great harm to my credit file! Please help! FCRA violations will be notated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eastpoint Recovery Group, Inc
State: CA

Complaint narrative:
On XX/XX/2022, I sent a notarized Affidavit of Truth and Fact, listing the numerous Consumers ' Rights Violations committed on behalf of this debt collection agency, a copy of the Exhibit ( s ) providing visible proof of the violations, a Cease-and-Desist letter that included the necessary remedies I wanted to settle upon, as well as an invoice for payment of the violations. All of these documents were sent via USPS Certified Mail, and I am aware the company received the documents. This collection agency ignored my attempt to remedy the violation of my rights.

Company response to consumer: Closed with explanation