vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
ATTENTIVELY REVIEW my format writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA XXXX  to COMPLAINT reporting. FEDERAL laws dictate that any and all derogatory or potentially injured reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACts ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership responsibility allegation of a derogatory item that i see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report i have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA, compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegation require immediate deletion, do so now and here!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
AFFIDAVIT OF TRUTH In both private and public concerns, I'am the consumer : in truth I am the natural person, original creditor, and administrator. Fact, the fair dept collection practices act is intended to secure my privacy and to ensure fair, accurate practices. 

FACT # 1 according to FDCPA 15 usc 1692c ( C ) once a consumer notifies a debt collector in writing that they refuses to pay an alleged debt, and wishes to cease further communication, a debt collector must not proceed to communicate with the consumer unless it is advise to the consumer that the debt collectors further efforts are being terminated .thought the account number in ( XXXX ) was never validated and cease and desist was sent and was never responded to. And XXXX XXXX HAS BEEN VIOLATING or for the {$590.00} amount Willfully continued to violate federal law under FDCPA 15 USC 1692C ( C ). FACT # 2 under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract .the debt collector that pursuing to collect on the account have not comply with FCRA laws and did not comply with my demand I am demanding to see a copy of the verifiable, validated proof ( an original consumer contract with a wet signed signature on it, copies of copies are not validation and by law are not considered proof ) that you have on listed on the account is a result violation of under the FDCPA 15 usc 1692g. FACT # 3 Under THE fair debt collection section 806 15 usc 1692d ( 1 ) federal law prohibits the engage of any use or threat of use of any violence or other criminal means to harm the physical person, or the property. ( I never agreed to any to any threats to place an account in derogatory status, either verbally or in writing. FACT # 4 under FDCPA section 807 15 usc 1692 ( 5 ) federal law prohibits the threat to take any action that can not legally be taken .i the affiant I am aware to and have proof in the enclosed documents labeled FACT # 5 under FDCPA section 808 15 usc 1692f ( 8 ) federal law prohibits the use of any language or symbols other than the debt collectors address on any envelope. FACT # 6 under FDCPA 15 usc 1692i- ( 2 ) ( B ) federal law prohibits legal actions by a debt collectors ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. The company thats attempting to collect on this debt is in violation of federal law, please cease and desist all collection attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I tried to cash a {$12000.00} settlement check at 3 Regions Bank in XXXX Florida. The first bank, located at XXXX XXXX XXXX XXXX XXXX, said they didn't have enough of moneyto cash the large check. The second bank, located at XXXX XXXX XXXX XXXX, discriminated against me by telling a lie about their check cashing policies. The teller told me he could not cash my check because I wasn't a member and so the bank could not put a hold on the check. I told him that I had just spoken with a someone before traveling all the way out there and that I believed he was discriminating against me because I was XXXX and had a large check. He said no the bank policy says they can't cash checks for non-members. I walked outside and called the Regions bank located at XXXX XXXX XXXX XXXX and was speaking with the same person while I was still at the XXXX location. He ( a manager I believe ) told me the bank called him and said they didn't have enough money to cash the check, but I told him the tellers just refused to cash it and that he may have spoken to the first bank I went to located at XXXX XXXX XXXX XXXX. I walked up to the teller again to get a clear understanding while I was on the phone with the manager, but this time two tellers said no it was against the banks policies. The manager I was speaking to on the phone heard them and told me he did not know why they said that and to come to his location and he would be able to cash the check if they could verify it. I started walking away from the tellers and told them that I will be filling a complaint. I ended up going to the Regions bank located at XXXX XXXX XXXX XXXX XXXX because that was the location I had spoken to the manager originally. That location said they wouldn't cash the check unless they could make a copy of my settlement letter which they had no business asking for because it was private. In the end I agreed and they copied my letter. Within 1 minute after copying my letter the teller said they couldn't cash my check because they couldn't verify it. I was confused at why they wanted a copy of my settlement letter first if they couldn't verify the check. This while ordeal was XXXX  and I know the second bank discriminated against me so I'm filling this complaint.

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 2022-09-04 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: GA

Complaint narrative:
Hello, I have been disputing this for years now. I'm requesting something with my signature on it. Every time I ask for something, they send me an old credit card statement. I would like to put this on record that this should not be on my credit report and it is causing lots of damaging. I was advised to make this clear for when I seek help. THEY are not showing me how to are proving this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Within the time XXXX XXXX XXXX. I applied for a XXXX credit card. I did so because Credit Karma who i have a active account with posted to my account that i was pre-approved for said card! I was denied! Hard inquiry was now on my report XXXX became hesitant in acquiring another credit card in fear of possible more Hard Inquiries and chances of being denied again, and how that would negatively affect my credit rating. I refrained from trying to improve my credit for 2 yrs. Hoping the negative inquiries would expire. After that Credit Karma posted to my account i would be approved for a XXXX according to their data. I was denied again by the car dealership! But the dealership of course still tried to sell me the car after i showed them on my phone, what Credit Karma sent me on my chances of being approved for such a loan. Unbenounced to me the dealership tried 3 other lenders while he had my info! All attempts got rejected!! And now in one shot i got 4! additonal Hard Inquiries!! On my credit report! As a result of these actions .I no longer use my account with Credit Karma for any accurate info regarding my Credit rating! As a loyal but highly aggrevatted consumer, this company has, taken advantage of the trust i gave them with my personal info.I expect to be compensated in the on going XXXX that is actively on against Credit Karma. For misleading marketing and other bad business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: SC

Complaint narrative:
Credit Karma Has Been Telling For Years Now That My Approval Odds To Getting A Credit Card They Recommend Is Either FairGoodExcellent And Once I Go To Do The Recommended Credit Cards I Get Denied, XXXX Dropped And A Inquiry On My Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In XXXX of XXXX, I disputed a Bankruptcy reporting on my XXXX and TransUnion Credit Reports. I disputed this item, which in turn they replied with a letter stating that the information was obtained from The United States Bankruptcy Court District of Massachusetts. 

I called the called the court house to confirm their response and they stated they DO NOT and DID NOT provide information like that to the credit bureaus and sent me a letter reinforceing that statement. 

I XXXX of XXXX  I sent a a second letter disputing the bankruptcy to XXXX and TransUnion confirming that the response was a fabrication and that they DID NOT receive the information from The United States Bankruptcy Court District of Massachusetts, along with the letter they courts sent me. 

More than a year later, I have yet to receive a response from the credit bureaus and the bankruptcy remains on my credit reports.

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 2022-09-04 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: GA

Complaint narrative:
PLEASE REFER TO CASE # XXXX. I submitted a claim to Experian 's fraud department on XX/XX/22 for accounts : XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  These items were not removed despite my demand. it is your grave responsibility to report fair and accurate credit information. Furthermore, I am unable to utilize my credit and it has damaged my reputation in the process and has caused stress and XXXX XXXX XXXX. Please remove these accounts from my credit report or I will have to proceed with further litigations

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account XXXX ( XXXX XXXX  ) has violated my rights. 

15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states that a consumer agency can not furnish a written statement without my instruction. 

15 USC 1666B : A creditor may not treat a payment On a car loan Account under an open end consumer credit plan for any purpose.

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 2022-09-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and the Account Name ; US BKPT CT GA 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: TX

Complaint narrative:
I try to re-dispute the late payment on the activities credit card and after speaking with the cardholder company XXXX XXXX XXXX XXXX ) I was told that there was no late charge on my account and talked with the credit bureau. 

the other two company information is not correct and they only allow you to choose from a single statement and want to allow why the information is incorrect. I request a copy of the investigation and have not received them this is the 2nd request. i

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 2022-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Although I already emailed XXXX, TD Chairman Dept, XXXX ; XXXX ( FTC XXXX ), OCC, and numerous of other departments ; today, XXXX, I've chosen to file a CFPB complaint because the money, {$67.00} still has not been returned. I should have this balance right now, and I don't. I have {$0.00} cents. The problem began XXXX, and today is XXXX. All of those departments have the 13 initial images with a few new ones from yesterday, XXXX. 

On XXXX, I made a deposit. Available balance was {$290.00}. if you deduct all the transactions I've made since the deposit, I should have the current {$0.00} cents plus {$67.00} ; and I don't. Who stole the money? Why? And why has it taken this long to return the money?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I opened a account with Citi bank that was supposed to pay a XXXX bonus.Ive jumped through all their hoops to qualify and called them at least 3 times. Case # 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 2022-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear Sir/Madam, I received your email regarding my complaint against JPMorgan Chase & Co. as the beneficiary institution. Unfortunately, you are still ignoring the fact that this complaint is not about the same issue as the previous one. 

The main reason why I keep contacting you is not the fact that my funds were sent via this bank but that the scammers are clients of Chase Bank and registered as XXXX XXXX and " XXXX XXXX ''. JPMorgan Chase allowed these criminals not only to create an account but also to receive money stolen from innocent victims like me.The financial institution shall seek further information or/and documentation from the client in order to help create a proper KYC profile, and when the movement of large sums of money is concerned, to verify the legality and legitimacy of its sources. Their organization, by its conduct, has evidently failed to perform adequate Anti-Money Laundering and Know Your Client ( combined as XXXX procedures ), as those procedures are commonly known under the applicable guidelines and enforcement rules. The financial institutions should battle, Fraud, Money Laundering and XXXX Financing, these guidelines list specific Low and Higher-risk factors that firms should have regard to. 

Such neglection of all of the security measures from the side of Chase Bank as the regulated financial institution is totally unacceptable. Moreover, as they are registered in the XXXX which as a country is a member of the XXXX XXXX XXXX XXXX ( XXXX ) they should have paid an additional attention to such situations. However, they have chosen to ignore it and pretend that nothing is going on and there are no fraudsters who use their services. 

According to all above, I am again asking you to proceed with your own investigation on that matter. 

If you need anything from my side please let me know, I will be glad to do my best in order to make the process as fast as possible. 

Kind regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I filed for COVID forbearance because I was not able to pay. I received Mortgage assistance. I dont know if the mortgage assistance was applied correctly because the second Principal balance still seems high. I am currently paying my mortgage on time. I am just concerned that Wells Fargo may have added additional unnecessary interest and fees that were not supposed to be added if I had the COVID Forbearance.

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XXXX of XXXX, I disputed a Bankruptcy reporting on my Experian and XXXX Credit Reports. I disputed this item, which in turn they replied with a letter stating that the information was obtained from The United States Bankruptcy Court District of Massachusetts. 

I called the called the court house to confirm their response and they stated they DO NOT and DID NOT provide information like that to the credit bureaus and sent me a letter reinforceing that statement. 

I XXXX of XXXX  I sent a a second letter disputing the bankruptcy to Experian and XXXX confirming that the response was a fabrication and that they DID NOT receive the information from The United States Bankruptcy Court District of Massachusetts, along with the letter they courts sent me. 

More than a year later, I have yet to receive a response from the credit bureaus and the bankruptcy remains on my credit reports.

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 2022-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: GA

Complaint narrative:
This account is a result of identity theft. I've NEVER done business, nor have any knowledge of First Federal Credit Control or XXXX XXXX. This is a fraudulent account. Can I please get help removing this account from my credit report? I learned of this account on XX/XX/2022 in the amount of {$320.00} when it was placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation