vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent my letter to the credit bureau stating that these accounts are false and aren't mine and to please " investigate '' every piece of information on the accounts that I have listed. Also, I have attached the letter that I sent out most recently. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or livelihood is obtained through personal interviews with neighbors, friends, associates of the consumer reported on or with others whom he is acquainted or who have knowledge concerning any such items of information. I need a proper investigation completed along with every piece of information reported 100 % accurate pursuant to FRCA 15 USC 1681. 

They violated my consumer rights numerous times according to 15 USC 1681.

According to 15 USC 1681 section 602 A states I have the right to privacy. 
According to 15 USC 1681 Section 604A Section 2 it states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 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 accurate Please delete these accounts : XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Alorica Inc.
State: TX

Complaint narrative:
I've disputed inaccuracy on my credit reports. I've asked all three credit bureaus to verify the accuracy of the accounts if not, remove them. I've asked specifically for those who verified the accuracy of the account and to verify the accuracy across all three credit files. The information always comes back as verified with no information on how or who verified the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$310.00}.

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 2023-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This company is trying to collect a debt on charges they allowed to run up after being notified that my pet passed away. When I spoke to them they told me that they would update their records but I still had to pay them for care on my deceased pet.

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 2023-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. 

I started a dispute with ACIMA DIGITAL FKA SIMP  and the XXXX back in XXXX. XXXX I attached my SSN, ID, bank statement for proof of address, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was disputing an ACIMA account on my credit report because it is not mine and I did not open it. I'm unaware what the account is for, I only know that it appears to be a lease or installment account with an extremely large balance of {$7500.00}. ACIMA has not responded to me by mail, and I'm unaware if they have responded to XXXX since I also mailed XXXX XXXX dispute letters in XX/XX/XXXX and XX/XX/XXXX. However, XXXX completed their first investigation and did not remove the account. I advised them to validate the debt/account with documentation bearing my signature, and if this documentation was not provided I formally requested the account be removed from my credit report. My identifying information has been compromised for years now. I informed ACIMA DIGITAL FKA SIMP and XXXX that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature, and remove the account. Additionally, I've started my second investigation with XXXX, and the account has yet to be removed and ACIMA has yet to respond to me by mail with ANY documentation bearing my signature. I mailed my ACIMA letter on XX/XX/XXXX, and my second XXXX  dispute letter for the ACIMA account on XX/XX/XXXX, my first XXXX dispute letter was mailed in XX/XX/XXXX. XXXX currently has the second investigation open now, but they continue to rule in favor of ACIMA despite my request for documentation and receipt of my FTC identify theft letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Mezcal Corporation
State: CA

Complaint narrative:
Mega Auto is continuing to illegally report this alleged debt on my consumer reports. I spoke to their company and was told that this vehicle was sold a long time ago yet they are still reflecting this as a debt due with the entire balance. I have requested documents reflecting the original contract and bill of sale, the audit trail of the account as well as any documents supporting the re-sale of the vehicle after repo. Mega Auto has failed to send me any documents that were requested as proof to what is actually owed if anything on this alleged debt. Mega Auto continues to violate my consumer rights with their fraudulent reporting and neglecting my requests for legal documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Original debt of {$840.00} was written off/paid off by XXXX XXXX  XXXX XXXX XXXX I have never signed an agreement/contract of any kind with Midland Credit Management XXXX Now Im receiving letters that they are threatening to contact attorneys to obtain a lean, garnish my wages, or obtain information about assets.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
have contacted Experian, several times, via phone and mailed my ftc report that they have requested, several times and now a month later, I am nowhere. They are violating my rights as a consumer.

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 2023-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Late last year finances were getting tight. By XXXX we were 2 payments behind ( with the third due ) but I called in XXXX to make a payment. I was told that they would not accept XXXX payment but that I needed to make 2 payments in order for them to accept it.We were waiting on some funds so I could not make the two payments. They told me that it would be ok and to just wait until the funds came in and pay it as the two payments. I expressed concern about the house starting foreclosure. I was assured it wouldnt.

Two weeks later I had the two payments. I called and was once again denied now being told that I needed 3 payments in order for them to accept. I suspended all of my bills to get the three payments ready. This took me 2 more weeks.

I call to make the payments I am then told that they can not accept ANY payments unless I can pay all XXXX because the house is now in foreclosure. I didnt receive any written notice about it going into the foreclosure process, nor was I told when I was on the phone. I was told to submit documents for their loss mitigation program in order to save the house. I do so. 

The required documents kept changing of what was required. I submitted everything that was requested. After about 2 - 3 weeks, they finally had everything. By XXXX of this year my husband received his XXXX and was granted retro pay. We had enough to make all of the payments in one lump sum. So We called and after being given the run around of why they couldnt accept the payments, we finally were able to speak to a representative and make the required payments. We paid the full amount of what was due. We were told that it was pulled out of the loss mitigation program and going forward we would be able to resume normal payments. 

XXXX comes and Im not able to pay my bill through their website, app, or automated phone, and extremely high wait times. Because of this great inconvenience, my payment was late. After a few days I am finally able to reach a representative. The payment is made, including late fees. I am told that everything is now up to date and I can resume normal payments again. 

Come this month, XXXX, I am met with the same issues as last month. I am now told that I have additional fees of {$2000.00} that also need to be made on top of my normal mortgage amount. The fees can not be detailed. The representatives are being uncooperative and saying that they can not accept payment for the mortgage until I speak with 'customer service ' that is opened XXXXsometime ' tomorrow. I asked to speak to someone else, a manager.. I am being denied. I asked to file a complaint. Im not allowed to do so .... 

We did not pick this mortgage company. Our mortgage was sold to them. 

This treatment, this practice is unfair and should be criminal. It seems they are doing everything to force people out of their homes by denying payments. 

The mortgage company is CitizensOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NAVY FEDERAL CREDIT UNION IN VIOLATION OF PEN. CODE 496 ( a ), Title 42 USC 1986, Title 18 USC 241, Title 18 USC 242, Title 18 USC 1091 : Genocide, UCC 9-317, UCC 9-322 , UCC 9-203 ( b ) ( 3 ), R.I.C.O. ( Racketeer Influenced Corrupt Organizations Act ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, & FRAUDULENT MISREPRESENTATION. NFCU REPORTED A COUNTERFEIT LOAN ON XXXX  THAT WAS NEVER SIGNED BY THE DEBTOR DAMAGING THE CREDIT REPORT. NFCU COLLUDED WITH THE STATE OF CALIFORNIA DMV TO RECEIVE A CALIFORNIA CERTIFICATE OF TITLE UNDER A FALSE PRETENSE AS LIENHOLDER WHEN THEY DIDN'T HAVE A FINAL SIGNATURE ON THE " LOAN '' WHILE A COMMERCIAL LIEN WAS PUT ON THE AUTOMOBILE BY ME 30 DAYS PREVIOUS. NFCU, THROUGH TORTIOUS INTERFERENCE, INTERCEPTED MY AUTOMOBILE FROM A TOWING AGENCY ON A FALSE PRETENSE OF " LIENHOLDER '' AND ILLEGALLY SOLD MY AUTOMOBILE WHILE MY LIEN ON THE AUTOMOBILE IS CURRENTLY FILED AT THE OFFICE OF THE SECRETARY OF STATE OF CALIFORNIA WHILE I AM TYPING THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: T.S. Holdings
State: NV

Complaint narrative:
On XXXX XXXX I.Q. Data International attempted to fraudulently collect a debt of XXXX. Not only did they attempt to collect, but they also caused damage of my GOOD NAME by reporting false signatures and fraudulent information to XXXX, XXXX, and XXXX XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violating Consumer laws 15 U.S. CODE 1692 ( d ) & amp ; ( e ), 15 U.S. CODE 1681 ( b ) & amp ; ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorial misconduct ; revoke my signature for all unauthorized usage. I have my own dividends to shield and will strongly do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/XXXX our accounts were closed out for my minor daughter student joint account and saving because of some kind of electronic check deposit into her savings account. I called Bof A over 12+ time to indicated was fraud we have no knowledge of what check and wanted to get more info and see how they were going to assist us as the victims but they treated us like complete criminals. Bank of America gave me the runaround for several days including today. final i was able to file a fraud case with Bof A and the case # XXXX was closed out the same day with no resolution. i file other complaints with Bof A with no resolution as well. XXXX and XXXX. no response at all i even went in to the branch to indicate i filed a police report and did some research etc. they didn't care indicating we can open another acct until XXXX. 

I filed a police report because BofA sent a Copy of the check that went into the acct. the check did not come to us we did not physically receive it and it went into her account fraudulently, electronically and electronically signed the signature is not her she is a minor she does not have access to that kind of money $ XXXX, and the money does not belong to us. and Bank of America refuses to help me and all they do is just keep transferring me around I get different stories from everybody every time I call. this doesn't make any sense this affected her direct deposit from her job XXXX 's where she makes under {$300.00} cuz she's a student and then we had to wait several days and figure out how to pay ck cash her check. None of my calls are documented and each representative gives me a different story they are handling fraud cases like they're just there to collect a paycheck and not do any work on fraud. 

my police report # is XXXX, they took copies of the docs from Boa A, on XX/XX/XXXX. XXXX XXXX XXXX XXXX the XXXX police dept # XXXX XXXX  XXXX, fax XXXX email XXXX. 

FDIC regarding your banking concerns on XX/XX/XXXX. Your case number is : 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 2023-04-18 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I went to XXXX  on a month to month lease. When I got out I couldn't go back to the property but I was paid up on my rent so I told the office I since I couldn't go back to the property until court is over to shut everything down but they kept charging me rent even after I got a police escort to come over so I could move my stuff. They kept charging me rent like I had a year lease and that's not true

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 2023-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Accounts Receivable Services
State: MN

Complaint narrative:
Accounts Receivables LLC dba Reliance Recoveries violated the Fair Debt Collection Practices Act by failing to provide written disclosure of debt. The company engaged in deceptive collection tactics by misrepresenting debt owed, demanding excessive fees, illegal interest, and other expenses and taking legal action. 

After receiving a statement of claim and summons in the mail for {$1800.00}, plus disbursements for an unverified medical debt, I sent a debt validation request letter via certified mail. Accounts Receivable Services LLC dba Reliance Recoveries failed to provide written validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: SC

Complaint narrative:
I reached out to The Bureaus, Inc. for validation of an account. The original creditor is XXXX XXXX. According to the records provided, my last payment on the account was dated XX/XX/. The Statement closing date of XX/XX/XXXX  showed a balance of {$200.00}, however, The Bureaus , IncXXXX is attempting to collect a total of {$510.00}. 

Please explain how my balance went from {$200.00} to {$510.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
MRS BPO LLC sent communication via mail dated XX/XX/2022. XXXX XXXX has no business with this company nor does the company have authority to any communication. WHO is sharing my private information? I have no interest in conducting any business with MRS BPO LLC, I have no idea who they are. They claim I owe a debt of {$2200.00}.

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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor May not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV Funding LLC is reporting an amount of {$820.00} erroneously on my credit file. This debt was dismissed in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
I disputed accounts on my credit report that came back verified. I specifically asked for proof of accounts and who verified the accounts which by law, I am allowed to ask for. The accounts came back as verified and closed without sending any information on who verified the accounts or how they were verified.

Company response to consumer: Closed with explanation