vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I requested that LVNV Funding, LLC/Resugent Capital Services validate the debt. 
This company did not provide any validation that the debt belongs to me. I requested the contract bearing my signature indicating that the debt belongs to me. A BILL and/or Bills is not a contract and doesn't provide my liability. In fact, anyone having stolen my identity could apply for an account and bills can be generated. This company is in violation of the FCRA reporting standards. I've asked them directly ( both as a reponse to email and certified letter ) and received a bill. I've address this with CFPB and through them, I received a bill and some sort of application bearing no signature. As I have not received any information that has validated this debt, I for the third time request that you immediately take action to delete all credit additions made to my credit reports.

In addition, LVNV Funding, LLC ( Debt Collector ) is in violation of my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). LVNV Funding, LLC, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not LVNV Funding, LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: 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. 
Accounts are XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX  ACCT # XXXX DEPT OF ED ACCT # XXXX / XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX DEPT OF ED ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX US DEPT OF EDUCATIONXXXX 1 OF 2 DEPT OF EDUCATION/XXXX-OPENED XX/XX/2014 ACCT # XXXX 2 OF 2 DEPT OF EDUCATIONXXXXOPENED XX/XX/2014 ACCT # XXXX XXXX XXXX XXXX ACCT # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: PA

Complaint narrative:
I recently pulled my credit report, on XX/XX/XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. Equifax, XXXX and XXXX on XX/XX/XXXX and every 30 days up until presentXX/XX/XXXX. I asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I had a credit card with USAA and on XXXX XXXX, XXXX, paid off the entire balance of {$4100.00}. Around XX/XX/XXXX, I received a statement with {$33.00} in finance charges. I was not expecting this because every month the finance charges were assessed at the end of the billing cycle between the XXXX - XXXX, which is when I made the payoff payment, I called to question the finance charges and ask for them to be reversed. The representative would not reverse the charges and was very rude to me. I refused to pay the finance charges and closed my account. A few days later, on XX/XX/XXXX, the finance charges were automatically taken out of my checking account without my authorization. I called USAA to make a complaint and was told I had to wait 10 days. I made a complaint with my bank, and on XXXX XXXX, XXXX, the money was returned, but the credit card account was hit with a return check fee of {$25.00} and an interest charge of {$.00}, and nothing had been done regarding the fraud. Today, XXXX XXXX, XXXX, I see a credit in my checking account with the description XXXX XXXX XXXX for {$33.00}. which made me check my USAA account where I see all the charges, I again call USAA to explain the situation and ask for the finance charges and fees to be reversed. The USAA rep took a record of my complaint and transferred me to another dept. This happened several times until I reached their fraud dept. USAA 's fraud dept refunded me {$50.00}, leaving a {$9.00} balance on the credit card, still insisting I owed the finance charges and again did nothing regarding their fraudulent act of making unauthorized automatic payments from my checking account. 
I had authorized payments scheduled to come out on the XXXX of the month. I turned them off in XXXX before I made my payoff payment. There was no automatic payment on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX, only the unauthorized one on XX/XX/XXXX. 
USAA may say I owe them finance charges, which I do not, but they have no right to take money from my checking account without my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: FL

Complaint narrative:
XX/XX/2023 I contacted Chase regarding my Freedom card. I informed them of list of job and requested assistance in late payment removals to assist with paying card down as I started receiving checks. A previous email and account notification STATED I had to make a payment before XX/XX/2023 to AVOID account closure. I made a payment of {$260.00} which was the PAST DUE amount on the card. Today as I logged in I see that my account has been closed! Chase falsely closed my account after stating that I had until XX/XX/2023 to AVOID account closure. EVEN after stating I lost my job as the reason in being behind and was willing to pay to avoid account closure as I just got my check!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: WA

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 U.S.C 1681.

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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 6802 Obligations with respect to disclosures of personal information ( b ) You Reported my NON-PUBLIC PERSONAL information to a NON-AFFILIATED THIRD PARTY. 

To date, I have not granted you or XXXX XXXX XXXX XXXX such authority. This is a violation to my consumer rights. By federal law you are required to remove the accounts from my consumer report. 

XXXX XXXX XXXX - Late payment reported on XX/XX/XXXX XXXX Credit Card - Late payment reported on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-24 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: PA

Complaint narrative:
I recently pulled my credit report, on XX/XX/XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. XXXX, XXXX and TransUnion on XX/XX/XXXX and every 30 days up until presentXX/XX/XXXXI asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter Thank you.

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 2023-02-24 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: PA

Complaint narrative:
I recently pulled my credit report, on XX/XX/XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. XXXX, Experian and XXXX onXX/XX/XXXX and every 30 days up until presentXX/XX/XXXX I asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter Thank you.

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 2023-02-24 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: CA

Complaint narrative:
I have been trying to correct incorrect information XXXX XXXX is reporting on my credit report. Several times now, they return responses that are long and rambling and they regurgitate facts not related to my complaint. They appear to be trying to subvert this process by supplying nonsense responses. They are not addressing the inaccurate reporting in my credit. Further they tried to subvert this process by saying I had the wrong company when I fact I supplied the information that showed they were the right company. 

They continue to I accurately report my credit as an active account accruing interest and penalties but my account was and is a charged off debt that is unable to accrue interest and penalties. They are not reporting my credit correctly.

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 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
While in hospital and rehab for months last yr, was unaware of a different bank ( Comenity ) taking over my XXXX credit card and also that my automatic balance payment setting didnt transfer. After numerous calls and website messages trying to get late fees removed, I eventually just gave up and paid by check the balance they told me I owed, and closed my account because of how unhelpful they were. Check mailed XX/XX/23, not posted to my account for 3 full weeks. Now they are refusing to forgive the fees accumulated over that time. Two different reps told me they were unable to forgive the interest or fees, which come to around {$150.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
They misinterpreted everything i have said. I knew nothing about they policy on limit of days. They don't care that stuff is system error and wont fix the fees for an account that wouldn't swurltch back to personal. I have communication barriers and comprehension issues. And a 5th grade writing level. They where twisting everything i said. I have had accounts hacked i am an identity theft victim. I had to close accounts after getting them recovered that where hacked. I finally reopen an account and deal with all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America froze my account for " suspicious activity '' I have been calling them for the past two days and have not received any resolution or reason as to the freeze. I get told it was flagged for suspicious activity and the account will be locked with all the funds in it until investigation is complete. They said 48 hours, but after 48 hours i called again and they asked for another 48 hours for a possible update. Nothing for sure. 

This is a business account, its for deposits only. After the deposits I move the funds to cover payroll and expenses. I would understand if there was a bad check that they needed to hold, they froze the entire account with funds that were in there prior to the freeze.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
NATIONAL CREDIT SYSTEMS AT XXXX XXXX XXXX XXXX, GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF XXXX. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a CapitalOne Credit Card ( XXXX XXXX ) with Promo of 0 % APR for 15 Months. but in actual I did not get the Advertised APR on XXXX XXXX website. I applied for the Card and got approved in XXXX and Promo was Active at the time ( Snapshot of the Agreement attached ). I tried to talk this through with Capital One Customer Service Agent " XXXX '' on XX/XX/2023 who confirmed the Promo was active at the time. then she transferred me to the Application Dept and said they can handle your request. Then I spoke with " XXXX '' the Agent same day and further with the Supervisor " XXXX '' both said that its not showing in your contract the Promo. I explained that its not my fault if its not showing in my contract but that's what I suppose to have as I applied due to that Promo. I am very much disappointed with that False and misleading Promo by Capitol One and got charged {$770.00} in interest charges over the last 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I was served by Knight Adjustment Bureau in XXXX. I called the day after they served me and they transferred me to my collector. I left a message. I called again the following Monday. And left a message. I called for another three days and did not get an o talk to my collector, XXXX. She did not call me back either. And now my wages are garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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 XXXX XXXX XXXX. 
Accounts are : XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX / XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX DEPT OF ED ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX-OPENED XX/XX/2014 ACCT # XXXX XXXX OF XXXX DEPT OF EDUCATION/NELNET-OPENED XX/XX/2014 ACCT # XXXX XXXX XXXX XXXX ACCT # 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 2023-02-24 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. 
Accounts are : XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX / XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX DEPT OF ED ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX-OPENED XX/XX/2014 ACCT # XXXX XXXX OF XXXX DEPT OF XXXXOPENED XX/XX/2014 ACCT # XXXX XXXX XXXX XXXX ACCT # 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