vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
I received a notice via regular mail from MRS BPO LLC a debt collector trying to collect a debt for XXXX XXXX XXXX. We do not presently have an account with XXXX noting the debt dates back to XX/XX/2021 per the notice received. 

That said, I promptly mailed the request form requesting additional information so I could verify the validity of the debt prior to taking any necessary action. That information was never received, noting I failed to realize it, and the company without any other contact whatsoever, proceeded to file a derogatory statement on my credit report as a result. 

I was immediately notified the derogatory statement was made because I subscribe to credit monitoring services as I take my credit seriously. I promptly reached out to the debt collection agency to discuss why collection activity had continued despite my request for information and was told they never received my request and would respond now. As I explained to XXXX XXXX, the representative I spoke with today, that would be good, but in addition, the derogatory statement needed to be rescinded since I had responded, and ALL continued collection activity should have ceased. She was adamant that it was my problem, that my request was not noted on the account. This is absolutely ridiculous. Where is the accountability on their side? My credit score is consistently over XXXX because I am a financial responsible adult, and I will not stand for a debt collector to infringe on my rights. 

As explained, I will address the validity of the debt as soon as I get the necessary information, but I want my rights protected. I took the appropriate action and they failed to act on their side. They shouldn't be able to place a derogatory comment without accountability. Your assistance is resolving this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: Westlake Services, LLC
State: NV

Complaint narrative:
Credit Reporting agency will not remove or fully investigate account accuracy

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 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Source Receivables Management LLC
State: TN

Complaint narrative:
Source Receivables Management - XXXX, NC continues to try and collect a debt that was bought from XXXX that falls under my XXXX  XXXX filing. 
I have sent documents that show when they were sent the court order to cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 2ND REQUEST... XXXX : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XX/XX/XXXXAcct # XXXX Creditor : XX/XX/XXXX # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor XX/XX/XXXX Acct # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXXXX/XX/XXXX XXXX Ct XXXX XXXX XXXX EQUIFAX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 2ND REQUEST... XXXX : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XX/XX/XXXX Acct # XXXX Creditor : XX/XX/XXXXAcct # XXXX Creditor : XXXX XXXX Acct # XXXX EXPERIAN : Creditor : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XX/XX/XXXX XX/XX/XXXX Acct # XXXX Creditor :XX/XX/XXXX Acct # XXXX Creditor :XX/XX/XXXXAcct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # 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 2022-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Dear CPFB, I closed on my new home XX/XX/2022. After closing, my initial payment was reduced ( please see attached supporting documents ). On numerous attempts, I have tried to make sure that my tax liability was correct and that the {$98000.00} was the tax assesment for XXXX 

After multiple attempts to speak with a mortgage expert, my mortgage has changed three times. However, I can not get help through PNC. I am very confused. I spoke with the XXXX and was advised to contact this agency. It is my hopes that CFPB can help me get this issue resolved. 

With sincere appreciation, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Om XXXX I made an ATM deposit of {$500.00} through Fifth third bank. I received an error message asking me to type in how much I deposited. I typed in {$500.00} and did not receive any type of receipt or anything just a number to call. I called them right away to let them know that the atm took my money and then gave me an error code. They told me they would open up a claim and let me know in 45 days the outcome?! The next morning they gave me a provisional credit of {$500.00}. Today, on XX/XX/2022 I wake up and find my account in the negative! I immediately called the bank to see what was going on! They told me they rejected my claim because the atm machine was not over in there count for that day! I am livid. There are cameras all over that ATM machine that can clearly see me depositing the money. They tell me the only thing they can do is reopen the claim and have another " investigator '' look into it! This is the worst bank I have ever in my life dealt with. Now I have to wait another 30 days while they investigate and now my account is in the negative! I have been robbed and it's my word against them since they can't bother to look at the cameras!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank has put a XXXX hold and frozen account without explanation. No one is able to explain on a call what happened. Spent over XXXX hours chasing this. numerous disconnections, and transfers between dept A to B to C etc. Very frustrating. No other way to contact the bank and resolve this issue. As a result, the account is frozen. Unable to make payments, receive deposits etc. Causing a major life disruption. Bank is completely unresponsive and does not provide a way to reach them at all. Deliberately disconnects and transfers to random departments w/o rhyme or reason.

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 2022-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
During the month of XX/XX/2022 Acima violated many of my consumer rights. Acima called my cell phone mercilessly in an attempt to collect an alleged debt. I received an email on XX/XX/2022 that displayed threats and profonde language causing me XXXX and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
I want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX XXXX XXXX XXXX - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This debt is over ten years old. I believe it has passed the statuette of limitations. I believe this company is falsifying information to keep this account active. 
This was sold to this current collection agency. 
I tried to explain to this current agency I no longer owe this debt, and they argued I'm wrong. They claim that in XX/XX/2020 was activity, but I know only to disagree with it still being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There was a deposit into my account for a XXXX, capital one placed a hold on my account on XXXX XXXX. I have called several times and they keep giving me the run around, they have me leave a voicemail for a team that has only reached back out once. The team advised that the account would be closed and funds would be dispersed via a check however over XXXX year later I keep getting advised that the account is closed and that there is nothing they can do to get me the funds. The funds are not involved in any type of dispute and there is no money owed to the bank. Capital one is an online bank and I believe they are taking advantage of the fact that no one can come in branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Credit Reporting agency will not remove or fully investigate account accuracy

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 2022-07-05 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: NV

Complaint narrative:
XXXX XXXX XXXX is not my address

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 2022-07-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank removed my {$9000.00} credit limit for no apparent reason. They lowered it to {$610.00}. The amount I owe is {$590.00} and thats a new charge. I paid off my last balance of {$590.00} in full before. They said my credit is no longer worthy of the {$9000.00} credit limit. I have never been late on any credit cards ever and and XXXX balances on other cards. I only used the card to help pay for my daughters car repair of {$590.00}. Now my credit will be ruined. I cant even get anyone on the phone to review this and reconsider this awful cruel act. My number is XXXX XXXX XXXX XXXX XXXX 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 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank closed my accounts without notification. Have well over $ XXXX in accounts and Im not able to access or move the money and all my cards were shut down causing me to have issues with creditors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My CD matures on XXXX XXXX and per the letter from Synchrony Bank I can only close the account by calling them at XXXX. After providing all information ( account number, security question, last 4 digits on SSN ) they do not confirm my request to transfer funds to my XXXX XXXX checking account. This transfer has been done before with them on previous CDs. 

A phone conversation for over an hour ended with XXXX saying she had to check some information and have a " 30 minute lunch '' and would call me after that. 

There is no valid reason for the long, long phone conversation for a simple operation. To make sure all info is correct I ask them to repeat back to me to make sure it is right. This should be a simple procedure and they are making it a problem, perhaps in hopes that I will let the maturity date slip and the CD will automatically renew with them. Not a chance.

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 2022-07-05 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX and TRANSUNION, 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 a account without my written instructions XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX & XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXXL XXXX, US DEPT OF EDUCATION/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account THERE ARE 10 INACCURATE ACCOUNTS APPEARING ON MY CREDIT REPORT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXXXX/XX/XXXX Account, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, US DEPT OF EDUCATIONXXXX, XX/XX/XXXX 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. i did not give Transunion wriiten instructions to report the accounts listed above. Transunion violated my rights this is a 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 2022-07-05 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX bank Account # XXXX, XXXX account # XXXX, XXXX Account # XXXX XXXX XXXX CREDIT Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX bank Account # XXXX, XXXX account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I XXXX XXXX XXXX XXXX ) Universal agent, on the Behalf, of the Private Trust XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX POA at fact of Trust of ; the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Trust.. Account of XXXXusing enforce compliance in the process because I XXXX XXXX XXXX deposit the amount of {$80.00} XXXX XXXX Dollars / XXXX notes on the date of XXXX XXXX have I state of Good faith of Credit Lawfully too XXXX of the company because the XXXX XXXX wasn't in.. at location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX location and affidavit to the XXXX XXXX XXXX XXXX XXXX. Statement of good faith of Credit by XXXX XXXX XXXX Laws as called AntiTrust Rights .. please contact them I as parts of The Federal Reserve authorized to use navigation of authority by treaties ARTICLE 6 of The Constitution,,, enforcing... Article 39 of the declaration of indigenous right..

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 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UMB FINANCIAL CORPORATION
State: OH

Complaint narrative:
My son has a bank card that accesses my XXXX account. He used the card for a provider charge that depleted my account. At that point XXXX started to charge XXXX fund fees. The fees charged are as follows : XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} When I spoke to customer service at XXXX about it, asking why they they charged so many fees without contacting me through email or text, they said that they would call me. A week and a half later my wife called with the same response. Now it is several weeks later and they never called to resolve my dispute. This is the same kind of dishonest delay tactic that nefarious web vendors use to delay the dispute until the statute of limitations for the transactions makes the dispute void. This same delay tactic happened a year ago regarding a fraudulent charge. They never called me.

Company response to consumer: Closed with explanation