vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
On XX/XX/2021 I received a threat from Bridgecrest, letter titled " Notice of right to cure and intent to repossess '' as shown in ( Exhibit 1 ) attachment, which is a violation of the following consumer rights : Title 15 USC 1692c ( Communication ).

Title 15 USC 1692d ( Harassment or Abuse ).

Title 15 USC 1692e ( False of Misleading Representations ).

Title 15 USC 1692f ( Unfair Practices ).

Title 15 USC 1692h ( Multiple Debts ).

Title 15 USC 1692j ( Furnishing certain deceptive forms ).

Title 15 USC 1605 ( Determination of finance charge ).

Title 15 USC 1635 ( Rights of Recission ).

Title 15 USC 1662 ( Advertising of down payments and Installments ).

On XX/XX/2021 I submitted a complaint to CFPB concerning Bridgecrest violations of ( TILA ) & ( FDCPA ) exercising my " Right to Rescind '' and still have not got a respectful response. CFPB Complaint Number # XXXX - XXXX. Also, Bridgecrest have received all documents concerning this legal matter via USPS with Evidentiary proof of service as shown in the attachments. To conclude, Bridgecrest has 3 days to comply or legal action will be taken as shown in attachment.

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 2021-08-01 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: FL

Complaint narrative:
THIS IS MY SECOND COMPLAINT! The first one was submitted on XX/XX/XXXX. 
I am a victim of the hurricanes that happened in XXXX, as well as XXXX. Previously, when I submitted my complaint it was regarding the credit reporting for XXXX  XXXX XXXX and XXXX XXXX. In reviewing a copy of my current credit report I find inaccurate information relating to both these accounts. I have tried contacting XXXX  XXXX XXXX and XXXX XXXX, as well as, speaking to the credit bureaus, Experian, XXXX  and XXXX  regarding this issue. No one is resolving the problem! 
First of all, the XXXX  XXXX XXXX account reflected on Experian was corrected after my dispute to show a charged off, closed account which was last updated in XXXX, XXXX as a charge-off instead of an update in XXXX, XXXX with a separate charge-off for the month of XXXX, XXXX, XXXX, XXXX. Now, today the account shows a status date of XXXX, XXXX with a balance updated XXXX, XXXX and two separate charge-offs for the months of XXXX and XXXX. The report shows a charge-off in XXXX, XXXX but does not show anything for the months of XXXX, XXXX thru XXXX, XXXX, then it shows charge-offs in XXXX and XXXX. This information is inaccurate and confusing! 
Next, XXXX  shows the account as a closed, charge-off account with a status updated XXXX, XXXX and charge-offs on the months XXXX, XXXX, XXXX, XXXX, XXXX. The account is closed. The charge-off was made in XXXX, XXXX. They should not continue to report a charge-off. Re-reporting the charge-off every month is ruining my credit. The hurricanes, the pandemic and this inaccurate credit reporting will end my business! 
XXXX XXXX  just continues to show the account as charged off every month. So far, for the months of XXXX, XXXX, XXXX, and XXXX, XXXX. They did not try to resolve the matter when I disputed it. 
PLEASE SEE THE ATTACHED DOCUMENTS.

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 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a XXXX XXXX card when buying a plane ticket, the ticket price was not applied to the card. When i received the card, the plane ticket had already been cancelled and refunded. I did not activate the card. Later i received a notice about fees and past due account. I called. They said would be fixed and dont worry about it. I continued to receive past due notices. I have called them now 5 times, each time being told, don't worry, disregard, etc. Nevertheless they continue to send me past due notices so evidently it is not fixed. Leaves me no choice.

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 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capital Accounts, LLC
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Capital Accounts , LLC 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: FL

Complaint narrative:
I sent several letters disputing the account that I allegedly had with XXXX XXXX XXXX. I sent these letters to Equifax. We sent these letters with evidence showing that XXXX  XXXX XXXX was been reported inaccurately on my credit report. Despite the numerous letters sent to Equifax they have failed to address the situation. We asked them to delete XXXX  XXXX XXXX from my credit report based on the information provided and they have failed to do so. I then exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requesting there method of verification for the XXXX  XXXX XXXX account that was been reported on Equifax account. Today XX/XX/2021 and to this date Equifax has not provided me with its method of verification for the XXXX  XXXX XXXX account that is been reported on my credit report. The law states the credit bureau should ensure that the consumer gets the method of verification within 15 days after they have gotten the request. More than 15 days have passed and I have not gotten the method of verification. This is a clear violation of FCRA. 
For this violation i can sue Equifax for damages and if Equifax fails to delete XXXX  XXXX XXXX from off my credit report then I will seek legal redress to do so. 
I am submitting a copy of the letter that I sent to Equifax and a receipt showing the date that they got the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX was taken out of our account illegally by Ocwen/Phh mortgage for the escrow account. We paid our taxes and insurance until late XXXX. We did not have an escrow for XXXX or XXXX. They now have fraudulently tried to paste the numbers in forged spreadsheets sent to me on XX/XX/XXXX. They have pasted numbers in different years trying to hide the deception. Just follow what I am showing you with the attachments. It's unreal. 

Here are the amounts they have stolen and now have committed fraud by covering it up. They sent me forged spreadsheets that do not match my past escrow documents. The fraud is so horrible I can not believe they did this. This over XXXX they have forged numbers in our escrow account. It all shows they repaid it then they subtracted it back out. It's disgusting. How is the government not shutting them down? This is our freaking mortgage they are destroying. I have complained over and over and nothing is being done to them. I had to sign a modification because they stole all our money from escrow. Okay, I am crying now. Then they charged us over XXXX in XXXX extra for the modification due to them stealing all the funds and making us delinquent. It's sick. They tried foreclosing on us in XXXX and the entire time they were taking money from us. We had to pay more than XXXX to stop the foreclosure. On XX/XX/XXXX they tried forclosing when we had paid all our payments. They were charging escrow when we didn't have one to foreclose us. It's criminal and I am just so upset about what they have put me through. I want help, please. LOOK AT ALL THE FAKE PASTED NUMBERS! Look at the 2 spreadsheets and you tell me how bad they steal. They charged me for insurance and taxes when I paid them! If they would not have stolen from us we would not have gone into foreclosure and had to pay XXXX for attorney plus XXXX for modification. I want it all refunded now. I want every fake NSF fee, late fee, long-form fee, breach letter fee, corp advancement fee, and all other stupid fake fees returned. 



XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me. 

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: FL

Complaint narrative:
THIS IS MY SECOND COMPLAINT! The first one was submitted on XX/XX/XXXX. 
I am a victim of the hurricanes that happened in XXXX, as well as XXXX. Previously, when I submitted my complaint it was regarding the credit reporting for XXXX  XXXX XXXX and XXXX XXXX. In reviewing a copy of my current credit report I find inaccurate information relating to both these accounts. I have tried contacting XXXX  XXXX XXXX and XXXX XXXX, as well as, speaking to the credit bureaus, XXXX, Equifax and XXXX  regarding this issue. No one is resolving the problem! 
First of all, the XXXX  XXXX XXXX account reflected on XXXX  was corrected after my dispute to show a charged off, closed account which was last updated in XXXX, XXXX as a charge-off instead of an update in XXXX, XXXX with a separate charge-off for the month of XXXX, XXXX, XXXX, XXXX. Now, today the account shows a status date of XXXX, XXXX with a balance updated XXXX, XXXX and two separate charge-offs for the months of XXXX and XXXX. The report shows a charge-off in XXXX, XXXX but does not show anything for the months of XXXX, XXXX thru XXXX, XXXX, then it shows charge-offs in XXXX and XXXX. This information is inaccurate and confusing! 
Next, Equifax shows the account as a closed, charge-off account with a status updated XXXX, XXXX and charge-offs on the months XXXX, XXXX, XXXX, XXXX, XXXX. The account is closed. The charge-off was made in XXXX, XXXX. They should not continue to report a charge-off. Re-reporting the charge-off every month is ruining my credit. The hurricanes, the pandemic and this inaccurate credit reporting will end my business! 
XXXX XXXX  just continues to show the account as charged off every month. So far, for the months of XXXX, XXXX, XXXX, and XXXX, XXXX. They did not try to resolve the matter when I disputed it. 
PLEASE SEE THE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Since i Originally got this card, I have not been able to use it once. Initially after first getting the physical card, they blocked it when I attempted to use it then asked for further information which I told them i would not provide. Nor did i have to provide this information because I am the original creditor and consumer. They have since then not removed any such block nor have respected any of the previous complaints made on them, they have sent me another letter asking for information and admitting to stopping me from using credit and are causing me damages by disabling me from purchasing goods and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me. 

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX - I attempted to purchase a rental vehicle for my trip in XXXX. I was charged {$180.00}. My trip was delayed and we were late in arriving. The company stated they were open until XXXX. Apparently they close at XXXX and our flight arrived at about XXXX. Tried to dispute Im with the company the day after we arrived since they were closed and disputed with Capital one the day of my return. Both have denied my requests for a refund. At first capital one reversed the charge as a courtesy during the review and on XX/XX/2021 a notice was sent that it will be recharged to my account as the dispute was denied. I am not sure as a consumer how I purchase a rental for 4 days and yet the day after my arrival, I am still unable to pick up a vehicle I had paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
Ive been trying to have my bank account updated so that I can swiftly make any past due payments since XX/XX/XXXX. XX/XX/XXXX Ive replied to the email theyve sent me confirming my new account information as they had the incorrect information although a bank statement was provided. I have not received any emails, phone calls, or notifications about this nor has any of the information been updated to reflect the change of account and am still past due. It has been nearly 3 weeks and the account is past due and Im looking to have this issue resolved IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me.

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 45DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation