vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I sent a letter addressed to Resurgent Capital Services L.P. and a letter also addressed to LVNV Funding LLC asking for validation and verification. They replied saying the information is verified and they also sent me a copy of the billing statement. The address on the billing statement is not my address and the information is incorrect. 

The address they have on this account does not match my address. The original creditor removed the account from my reports when i initiated a lawsuit over this fake address. 
The address they have is XXXX XXXX XXXX XXXX XXXX .... My address is XXXX XXXX XXXX XXXX XXXX .... I do not live in XXXX and that is not my address. This is a large housing complex and people steal mail and packages all the time to commit fraud. 

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 consciously avoids knowing that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
on XX/XX/XXXX I got a phone call from Zwicker & Associates P.C explaining I had a debt. with them since XXXX. I live in Texas and the statue is 4 years. I explain that they never reached out to me and this was the first time I was hearing from them. I tried to get the mailing address from the fist agent I spoke to ( XXXX XXXX in order to send a request for verification but the agent refused to give it to me. 

If I am not mistaken the law requires them to send verification documents within a week. They failed to do this. I never got anything from them. I also believe they have been calling me at work which is embarrassing and upsetting to say the least. Since they failed to send me the information they can no longer harass me. 

pleas assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I, the consumer and natural person, was denied credit by American Express when I applied for a PLATINUM CARD through XXXX, American Express sent me and Adverse Action Letter denying an extension to my credit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. American Express is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates LLC is in violation of Federal for purchasing debt illegally without consent of myself. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports both parties, XXXX and XXXX XXXX XXXX XXXX are in violation. 
This Federal law states No consent is Identity Theft In conclusion, under both Federal laws, this account must be removed PERMANENTLY from all credit bureaus. 
Thank you kindly for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JP Morgan Chase Bank closed my business account without informing my company when reached out to them reference to this issue was very hostile and will not give a reason for closing the account, and holds my $ XXXX plus, claiming I will receive it in XXXX business days, which causes me late payments on all my bills, example mortgages, car loans, salary for employee 's this becomes very frustrating for my business hope this organization will be dealt with accordingly, I have done absolutely nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX.a medical collection agency, and XXXX XXXX XXXX violated my HIPPA rights by sharing my personal information with the credit bureaus. While XXXX removed the accounts, Equifax and XXXX both refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
XXXX XXXX Morgan Stanley froze my checking and brokerage account for no apparent reason. Both of my checking and brokerage accounts have not had any activity in months and have had minimal activity in the last year. When I reached out to inquire about why my account was frozen, they did not state that I had any unusual activity, but they stated that they needed some answers from me to comply with their KYC ( Know Your Client ) requirements. They then proceeded to ask me personal and invasive questions about my family, my travels overseas, my parents and what properties may parents own..etc. 

When I opened my account, I provided Morgan Stanley with all the identity verification information required, my SS #, my employment information, my address, drivers license and everything that they requested. 

I answered some of their KYC questions, but when the questions started becoming more personal, I informed the agent that I no longer want to do business with Morgan Stanley and wished to close my accounts. They refused to close my accounts and stated that their " compliance group '' needed to authorize the closing of my account. 

As of this time, they refuse to close my account and my account is still frozen and I can not get my money out. I have approximately {$36000.00} in cash and approximately {$2500.00} in stocks for a total of {$40000.00} that I can not withdraw. 

Morgan Stanley has illegally confiscated my money without cause and refuse to close my accounts. 

Please help me get my money out of this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
When i moved out of state for a few months during the move i lost all my paper work and really did not knowing anything about credit. Ive been learning and educating myself on credit and when i tried to purchase a car one day they told me i had a loan open already in my name which i did not and i guess someone used my identity to obtain a car loan in my name from XXXX XXXX Car Loan. I did not authorize this or have any knowledge about it. 

The car loan that is on my account does not belong to me from XXXX XXXX car loan for {$26000.00}. I discovered it on XX/XX/XXXX and It was opened 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 2022-11-16 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: Google Compare Credit Cards Inc.
State: WY

Complaint narrative:
XXXX told me that because their system was unable to verify my payment method and identity even though I've submitted the correct documents several times they were not going to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX XXXX explaining I had a debt. with them since XXXX. I live in Texas and the statue is 4 years. I explain that they never reached out to me and this was the first time I was hearing from them. I tried to get the mailing address from the fist agent I spoke to ( XXXX XXXX in order to send a request for verification but the agent refused to give it to me. 

If I am not mistaken the law requires them to send verification documents within a week. They failed to do this. I never got anything from them. I also believe they have been calling me at work which is embarrassing and upsetting to say the least. Since they failed to send me the information they can no longer harass me. 

pleas assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hard inquiries, Capital One Bank XXXX was issued on XX/XX/XXXX and XXXX, XXXX issued on XX/XX/XXXX. Three letters were sent out to the 3 major credit reporting bureaus in XX/XX/XXXX to have these inquires remove, because I was unaware and did not give my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than XXXX days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this complaint regarding inaccurate personal information that appears on my Experian report. 
I have sent XXXX letters over the past XXXX months to Experian with attachments from the FTC as evidence that the previous address reported on my report is inaccurate. However, Experian refuses to delete the address from my report. 
Under the FCRA, Duties of Users of Credit Reports Regarding Address Discrepancies Section 605 ( h ) ; 15 USC 1681c ( h ) ; 12 CFR 1022.82 ( XXXX ) requires that, when providing a consumer report to a person that requests the report ( a user ), a nationwide consumer reporting agency ( XXXX ) must provide a notice of address discrepancy to the user if the address provided by the user in its request substantially differs from the address the XXXX has in the consumers file. Section 605 ( h ) ( XXXX ) requires the federal banking agencies and the XXXX ( the Agencies ), and the FTC to prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of address discrepancy. 
I request that the inaccurate address is removed from my credit report immediately.

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 2022-11-16 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:
Dear Equifax Information Services LLC, you have violated the Fair Credit Reporting Act ( FCRA ) by reporting " INACCURATE INFORMATION '' on my Consumer Report. See attachments. XXXX XXXX ALL RIGHTS RESERVED XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
There is an incorrect late payment reported on my credit report for " 30 days late '' on a mortgage payment with XXXX XXXX XXXX in XX/XX/2019. I called XXXX XXXX XXXX and they said that they did not report me as late. I was not late with my payments, I was always on auto pay, and also this account has been paid in full for over a year. Loan was # XXXX. I discovered this error through Experian, and I don't know which, or if all XXXX, credit bureaus have this incorrect information.

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX  XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) Paid balance in full XX/XX/XXXX and still showing in my XXXX and Experian. 

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

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN 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 items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,

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 2022-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had a repossession in XXXX and now there is a debt collector is garnishing my bank account for a total amount of {$26000.00} for a XXXX XXXX XXXX. I contacted Wells Fargo and they do not have anything of a debt from me.

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 2022-11-16 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: NJ

Complaint narrative:
these settled charge off accounts are still reporting inaccurate on my XXXX & transunion & XXXX these XXXX XXXX  XXXX account # XXXX # XXXX and this XXXX XXXX XXXX account # 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 2022-11-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
these settled charge off accounts are still reporting inaccurate on my XXXX & XXXX & equifax.. these XXXX XXXX  XXXX account # XXXX # XXXX and this XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
these settled charge off accounts are still reporting inaccurate on my experian & XXXX & XXXX these XXXX XXXX XXXXXXXX account # XXXX # XXXX and this XXXX XXXX XXXX account # 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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing this complaint regarding inaccurate personal information that appears on my Equifax report. I have sent three letters over the past six months to Equifax with attachments from the FTC as evidence of my current and previous address, and how the current address that is reported on my report is inaccurate. However, Equifax refuses to delete the address from my report. Under the FCRA, Duties of Users of Credit Reports Regarding Address Discrepancies Section 605 ( h ) ; 15 USC 1681c ( h ) ; 12 CFR 1022.82 ( 1 ) requires that, when providing a consumer report to a person that requests the report ( a user ), a nationwide consumer reporting agency ( NCRA ) must provide a notice of address discrepancy to the user if the address provided by the user in its request substantially differs from the address the NCRA has in the consumers file. Section 605 ( h ) ( 2 ) requires the federal banking agencies and the NCUA ( the Agencies ), and the FTC to prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of address discrepancy. I request that the inaccurate address is removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union CorpXXXX, XXXX. XXXX ( XXXX  XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

i have already disputed the items below on XX/XX/XXXX, XXXX, XXXX XXXX, and XX/XX/XXXX, but the bureaus did not remove them. 
Under Sec. 602 States i have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Consumer Financial Protection Bureau ( XXXX ( XXXX ) XX/XX/XXXX Complaint : XXXX XXXX XXXX Wells Fargo Bank Its Successors and or/Assigns XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX WELLS FARGO BANK- XXXX XXXX XXXX WELLS FARGO BANK HAS IGNORED ALL RECORDED TELEPHONE CONVERSATIONS, AND FOLLOW-Up CORRESPONDENCES REGARDING MATTER OF LENDER PLACED INSURANCE OBLIGATION since XX/XX/XXXX ; including emails ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ) which I have kept record copy of all calls and documentation, including copy confirmed faxed from the local XXXX XXXX Branch # XXXX XXXX XX/XX/XXXX. 


Wells Fargo Bank has failed to provide credit for overcharges made to my account for the XXXX ( Lender Placed XXXX Insurance ) premium and policy coverage imposed for amount greater than my outstanding principal loan balance of ( {$21000.00} - XX/XX/XXXX ). 


No amount of XXXX insurance coverage was agreed to or otherwise authorized by me at any time for any coverage more than minimum obligation per loan contract- as written in the AGREED TERMS OF MY LOAN DOCUMENTS- Page XXXX Home Equity Closing Handbook ( effective 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