vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: INTER & CO PAYMENTS, INC.
State: NY

Complaint narrative:
The company Inter & Co Payments, INC dba XXXX XXXX or XXXX is not honoring a request to transfer funds from an account in XXXX to XXXX. I am within the limit established by the bank but they are asking for additional documents, which I can not send at the moment due to traveling reasons. This has caused problems to my family in the United States since they were expecting the transfer. My limit in the app always said XXXX {$100.00}, and after requesting a transfer under that amount they decided to tell me that my limit was USD {$15000.00}. And after 2 minutes arguing with the supervisor my limit was decreased to USD {$12000.00}. Can they do this? They have previously asked for additional documents which was provided right away, but this time I can not send the new documentation request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MO

Complaint narrative:
I printed off my consumer report a couple of months ago and noticed there were an obscured amount of inaccuracies, inconsistencies, and incomplete account information being reported by TRANSUNION. All of which at this point FCRA violations because I have pointed out these inaccurate entries on my consumer report back to back and TRANSUNION keeps verifying that the information that is reporting is correct and will remain. Transunion is failing to follow proper debt dispute procedures because if done correctly the information would be deleted from my consumer report. 

FCRA was established by the FTC to protect the fairness and accuracy from abuse by consumer reporting agencies like TRANSUNION and I want them held accountable for causing me great distress and still reporting inaccurate information even after I alerted them to the errors on my consumer report. I feel I am owed damages LEGALLY because the FCRA VIOLATIONS that's happening here is " willful ''. It is willful because even after I alerted them several times and gave them a chance to fix my consumer report and delete the inaccurate and unverified entries, they still dropped the ball and stomped on my rights as a consumer making me feel like I don't have any rights when it comes to my consumer report at all. 

I have attached the last dispute sent to Transunion, and my most recent credit report where I circled and notated all discrepancies that need to be deleted from my consumer report immediately. This recklessness being shown by Transunion has gone on long enough. I am stressed to the max trying to get my errors resolved. This is a factual dispute and I have provided all documentation and proof needed. If I do not get the resolution I deserve I am prepared to get all my documentation and go to court because I have been denied housing due to their negligence. At this point it makes consumers like me believe the CRA 's get paid big money to look the other way while our reports are left damaged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: WI

Complaint narrative:
I am in the process of reviewing my consumer report and noticed many inaccuracies regarding Account # XXXX including by not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681eWhenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Please investigate and provide proof the consumer reporting agency was in compliance with this matter. 
Please delete from my report, from this agency, for violating compliance procedures. 
Thank you for handling this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My complain is so simple, I am a modest employee of XXXX and every month I transfer my salary to my checking account of Chase Bank And I settled the automately payment for my monthly rental on XXXX every month the bank take the money to transfer to the account of my landlord in that way she should received on date XXXX every month Well on XXXX XXXX Chase took it XXXX $ from my account and on XXXX or XXXX XXXX the landlord called sayind the money is not in her account I've called to Chase costumer service and they said they had a electronic system problem blah blah blah and they sent the check to the bank of the landlord and should be ojn XXXX XXXX there in her bank/ I believe it them and on XXXX the landlord called me again to say the money is not there I've made other claim by phone where the costumer service didn't answer about my question where is my money? simple question .... all time the lady aanswered as a robot saying do you want to cancel de order?? and saying you can receive your money back in 3 or 5 working day -- - which doesnt works to me because I should pay my rental- they gave me a number of claim - On XXXX XXXX my Landlord ask me to pay the renatal again the money is not in my account and I came to the Bank talk to the manager of the office and she told me she cant do anything to me only cancel the payment order and wait other 5 days when I asked her where is the money she says she doesnt know and I should ask to Chase - insuting really insulting Ive asked her as the bank have my money why she can give me XXXX $ to pay the rental Ive already had XXXX $ in my account I explain her the landlord make me pay XXXX $ per delay day means I have to pay XXXX $ more she said she cant help and I have to cancel the payment ... .... I did And After that Ive received today XXXX XXXX an email saying my cancelation is in process in 5 working days I will get my money back - Today is my XXXX day without my money Chase kidnapped my money my rental and brought me to my life a tons of stress and uncertain information I had to ask a loan to my friends to pay my rental, Why?? If I didnt do nothing wrong and I always pay my bills I want my money back with interests and damage compensation a formal apology from the Bank and I think your department should make an investigation of this dark and fraud practice they can play with life of the XXXX people, I cancelled other order made by XXXX to a wrong number in this case last week by XXXX $ and even said nothing abut it not in my money yet I hope you could help me please to get my money back with interest and damage compensation!!!! or whatever is the law about it Thank you for your attention XXXX was a big surprise when in the bank office they cheked the number of the phone clain and they taold me doesnt exist means on phone they gave me a false numbr of claim, this is s serious acting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
Roundpoint continues to misapply mortgage payments. Also, there is no clear path through the automated phone menu to address concerns that aren't payment related. It seems they are actively avoiding accepting consumer phone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ok so the credit agency have just completely disregarded my consumer identity and i want to know how is it even remotely possible to report inaccuracies on my credit report without my consent? there is mistake after mistake on my consumer report? how many laws will they be able to break. how much of my livelihood will they be able to destroy? account in question XXXX they have violated my rights. how can i have a account reporting on my consumer report without my consent.i did not give a third party to report this bill and it is not legal please validate by providing the origional contract also show where i signed to pass this debt to a collector. they have violated hippa privacy laws. they are also still in the 12 month grace period and shouldnt be reporting the credit agency in question has completely mishandled my credit report and violated the following laws 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 explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
Once again FNBO has accepted an application in my name. Even though there are fraud alerts on my credit bureaus. This is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IL

Complaint narrative:
I recently noticed the following collection account on my XXXX AND XXXX consumer credit report : ENHANCED RECOVERY SERVICESXXXX XXXX {$1100.00} This account was previously disputed but to date, I never received DOCUMENTARY EVIDENCE from credit bureaus nor creditor proving the dates and amounts are accurate and proof that I have a signed agreement with said creditor. Please note that copies of statements are not valid proof of a dispute. 

The above mentioned credit bureaus failed to provide me with the following prior to listing said collection on, y credit file : Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Acts to regulate commerce means subtitle IV of title 49 and the Communications Act of 1934 [ 47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: TX

Complaint narrative:
I contacted XXXX on XX/XX/2019 to inform them that the inaccurate information they have purchased from a reseller and put on my consumer file and rental history is fraud. I disputed the inaccurate information with the credit bureau and received my result on XX/XX/2019 that Experian has investigated the alleged debt and removed it from my credit rereport. I requested a copy of my consumer file from XXXX XXXX. I requested to XXXX to freeze my file and they sent me a confirmation email that they processed my request and the reference number is XXXX that a security freeze was added and will remain in affect until the consumer request a lifts. 

I have not requested any file be unfrozen. I have an identity fraud protection alert on all of my credit files and i have not given any third party entity or vendor permission to use my personal data. XXXX has violated mu FCRA rights and used my personal data without my permission, without a signed authorization and is damaging my credit and rental history. Their consumer relations department located in XXXX, TX called me today and stated they unfrozed my file without my permission. I have a right to file suit against XXXX for violating my right s and privacy.They have not sent me an updated consumer report that i requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX. I obtained copies of my credit report, and noticed some inaccurate information. To this date XX/XX/XXXX. I have not received any investigation results, nor notifications regarding my disputes. Trans union and XXXX are constantly sending Stall letters, which is a blatant disregard of the law. I also submitted another set of letters on XX/XX/XXXX. It's been over 30 days with that, and still nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX. I obtained copies of my credit report, and noticed some inaccurate information. To this date XX/XX/XXXX. I have not received any investigation results, nor notifications regarding my disputes. XXXX XXXX and XXXX are constantly sending Stall letters, which is a blatant disregard of the law. I also submitted another set of letters on XX/XX/XXXX. It's been over 30 days with that, and still nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: AR

Complaint narrative:
They call me up to 7 times a day. Starting around XXXX XXXX  up until XXXX XXXX. They leave me a recorded message on the first call then just keep calling. I am at work I am not able to answer the phone they dont even give me a chance to return the message. Today they called me at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and at XXXX XXXX. Some days I get back to back calls makes me not wan na talk to them at all. I pay what I can pay still get these calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: GA

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

Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 : 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 to any consumer-reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: GA

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

Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX 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 : 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 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 explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied and was approved by Capital One for a QuickSilver credit card. The company gave me a hard time proving my identity. I gave them all the documents needed. They took over 2 months with the situation. Capital One finally said they would approve and activate my card if they could get bank to verify my identity over the phone. Capital One rep was not able to get the verification, so I said it's been so much trouble, just cancel the card. They cancelled the card, then the next day a rep called and said they were sorry and let 's get the identity approved. It was successful and I was told I would get the card in the mail. I didn't receive the card and was told that the card was cancelled at my request. This has damaged my credit score and I never received the card. I was told this would be fixed by 4 reps and 2 managers. I spent over 2 months and 9 hrs over phone and internet. I need help with this situation because it's not my fault, it's Capital One and their employees.

Company response to consumer: Closed with explanation