vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am 7 days late on my car payment. This company has called me over 9 times in the last 7 days. 6 of those calls were yesterday. I spoke with the company on Monday when I was only 4 days past due and they had already called repeatedly and explained that there was an issue with my check and that I would make the payment by the middle of next week at the latest. The very next day I was called again twice. Yesterday I was called 6 times in one day. I told the rep that called me the last time that day that what they are doing is debt harassment and that they are not to call me for at least 7 days after I had spoken to them on Monday. I also told him that I do not want to be called between the hours of XXXX XXXX XXXX Monday through Friday as I am at work during those times. I was called again this morning at XXXX after expressly telling them not to do so. If this harassment continues I will be forced to take legal action.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DigniFi
State: PA

Complaint narrative:
The leadership for car put me in touch with Dignifi when I purchased the car for the down payment {$4000.00} I used {$3500.00} they said I had to pay by the next six months after that they will charge me interests on XXXX. I paid {$1200.00} plus the remain {$500.00} for a total balance of {$1700.00}. 
The problem is after six months they accrued my interest and late fees and now stated that my balance is {$970.00} and I owed them {$3000.00}. 
I thought that they will start getting interests this month with the remain balance of XXXX instead of recalculate the interest on the {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A credit card was closed and we received the final bill in the mail which we paid electronically on XX/XX/XXXX. We paid exactly what was on the bill. Over sixty days later they claimed we owed them XXXX cents and billed us an additional fee 's and interest of a substantial amount. They also closed this card without any written notice either electronic or physical. They claimed they could do this without cause. Previously we never missed a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28 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: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. 
As per XXXX XXXX I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures.

It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
personal information incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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 am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated Metro 2 Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. 
As per CRRG 3-4, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. 
It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: LEXISNEXIS
State: IL

Complaint narrative:
I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness.

As per CRRG 3-4, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. 
It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of 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 2023-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
Received several phone calls on XX/XX/2023, I answered the phone to blank air 3 times, and once got a recording @ XXXX pm. I waited on the line and finally pushed enough buttons to get someone from " Check and Go '', a title loan company. I asked who she was and what company and had to drag the information out of the caller. I ask for something in writing because I have never heard of the company. She said she didn't have to send me anything. I asked several more times for something in writing and she refused. She didn't want to verify the business name, the debt amount and would not give me any more information. She pressured me to answer question requiring a " yes or no '' and I refused. She finally hung up after I demanded something in writing to verify the company/debt and she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: GA

Complaint narrative:
XXXX XXXX late XXXX was never late XXXX dept of ed XXXX was never late o The law states that under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
The law also states that 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.

And The law states that 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.

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 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping.

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 2023-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am the XXXX of the XXXX of XXXX XXXX, who died in XXXX of XXXX. Upon notifying Citi Retirement Plan Services of the death and providing them with a Death Certificate they sent me a package of documents to submit in order to obtain an immediate lump sum distribution of the Individual Retirement Account. 
Upon the Court 's issuance of a Decree appointing me XXXX, I fully submitted the package replete with Govt-issued ID, Copy of Utility Bill, W-9, SS5, Original Letter of Administration XXXX and fully completed Beneficiary Authorization Form. Citi NEVER confirmed receipt of the submission and I was forced to make several phone calls to XXXX to obtain confirmation of full receipt of the XXXX package. On or about XX/XX/XXXX, I again phoned Citi Retirement to ascertain why the proceeds were not paid and was told that a letter had been sent to me on XX/XX/XXXX explaining that Citi had changed the name of the entity handling the XXXX process and that I needed to execute a newer form despite the fact that I had executed the entire package that was initially sent to me by Citi. By letter date XX/XX/XXXX, XXXX now informs me that I need to open a " simplified banking account, '' which makes no sense and has sent me a package of the very same firms that I already returned. 
When I phoned Citi today, I was told that there are now two reference numbers, that no one could help me and I needed to await a call from Retirement Plan Services. I have been told to expect such a call before but it never came. I can't get any explanation of why I would need to open a bank account in my own name at Citi in order to obtain a Lump Sum Distribution of the Traditional IRA, and it's all the more absurd because Citi 's " Beneficiary Authorization Form '' specifically because I filled out a Citibank " IRA and Roth IRA Withdrawal and Tax Withholding Election Form for Beneficiaries '' indicating per Citi 's document that " 6. Method of Payment " Mail check ( s ) to the recipient of funds listed in Section 2 above, '' which is in my name and fully completed as the " Legal Representative of Estate. '' Citi is illegally and wrongfully refusing to liquidate the IRA and send the proceeds as was requested according to all forms and requirements set forth by Citi. The Reference # XXXX appears on all pages of the documents sent to me by Citi and returned by me to Citi. You can't speak to anyone to resolve the issue because the telephone customer service rep has no authority to resolve any complaints and states that the policy is for the XXXX XXXX to call you back, which they never do.

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 2023-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: PA

Complaint narrative:
I am a consumer. There is not a third party representing me. National Credit Adjust inserted this debt on my credit file without ANY notification or communication to me that this debt belongs to me which is a violation of FDCPA code**** section****I DO NOT owe this debt and this company National Credit Adjust has failed to produce any evidence that I am the rightful owner of this debt with them. As an added measure, I have sent proof to this company that I am the victim of fraud and they have ignored my request to delete this information and discontinue reporting to the credit bureaus. This company has used stall tactics by sending documents that I did not ask for. I have asked National Credit Adjust to provide documentation of any information AND a contract with their name containing my original signature with them that I have signed. Additionally, I noticed that the date on the statement sent is from XXXX. This company is reporting that the date of the debt began XXXX of XXXX! The company has received my burden of proof ( attached ) and refuses to produce any evident documentation that I am the owner of this debt with them. These stalls and tactics are impacting and harming my life and the lives of my children and loved ones. As a citizen I would expect the very least and as a veteran I would expect some form of adherence to the laws which I have helped fight for in this country. I am once again demanding that this company immediately delete this information on this debt that I do not owe and discontinue reporting to the credit bureaus as it is not mine.I do not owe them and they are in several violations of the FDCPA. I demand that this company cease all collection of stated debt and report deletion from my credit profile to XXXX, XXXX and XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I attempted to order a XXXX XXXX XXXX XXXX  online. My order processing failed. My bank statement showed three attempts with a " PROCESSING '' status to charge my account for XXXX from Intact Idea. My account balance decreased by XXXX as I observed in XXXX XXXX with concern, dropping from XXXX to XXXX. I contacted the vendor who informed me that none of my orders were successful. 

This morning when I checked my account balance, the XXXX processing charges had disappeared, but my account balance remained at XXXX. I called Bank of America for clarification and was informed by the assistant that XXXX attempts had been made and all " REVERSAL '' status transactions had been processed. No such records appear in my account history, and my cumulative account balances have been adjusted ( down ) from the previous day 's numbers preceding the processing transactions. 

I'm in the process of self auditing my bank statements to determine how much money is actually missing from my account along with my payroll stubs. At best, what's happened here is a terrible User Experience design in the web interface of Bank of America 's account management software. Right now, I'm currently under the impression that an unknown amount of money has been stolen from me, at minimum XXXX dollars.

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 2023-09-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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