vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
On the date XX/XX/2021, I did a consumer credit transaction with XXXX, XXXX online dealership and extended my credit with a finance charge through Bridgecrest. 
I'm the original creditor extending my credit using my credit card ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. 
Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. 
Mind you the finance charge is a total of {$13000.00} exact but this dealership and Financial Institution gave me a total sale price of XXXX ( see attachment Retail Installment and Security Agreement ) That is a total of {$21000.00} charged over the sum of all charges which is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). The finance charge section under my signed contract does not include my insurance coverage which should, which downright breaks federal law pursuant to 15 USC 1605 ( a/5 ) ( see attachment page 2 ). Under the Sub chapter of the TILA Section 1026.5 ( b ) Time of Disclosures. There is no 21 day notification of statements nor grace period established. I was told to screen shot the ledger for the account online and was refused validation of documents in writing for the ledger. 
Sadly this is fraud so this contract is now void.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
I couple months ago I sent a certified mailing debt validation letter to CMRE. XXXX and they sent me back an itemized statement. A list of invoice numbers on a disputed debt does NOT provide enough information for a consumer to validate the debt. 

I want this fraudulent account taken off my credit report. I am a victim of identity theft! 

Also, the right to dispute inaccurate information is granted by federal law. 
I have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer. 
I have provided a copy from my credit report of the inaccuracies on my credit report from CMRE and its violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Revolution Financial Inc.
State: OK

Complaint narrative:
XXXXXXXX XXXX  mailed out a check for property damaged in a vehicle accident. It arrived during a time when I was XXXX. It was then stolen and deposited XX/XX/XXXX. I alerted them to this in XXXX of XXXX when I was released. I had contacted them to have the check sent to me and they informed me it had already been sent and paid out. Police reports were filed immediately and all documentation requested. XXXX informed me that the bank had to run an investigation and it could take up to XXXX months. It has now been almost a year and they just keep telling me the investigation hasnt been concluded. They actually asked me to stop contacting them at XXXX point and wait for them to contact me. The check was a XXXX cashiers check from XXXX XXXX in the amount of {$7800.00}. Issued on XX/XX/XXXX It was deposited into a XXXX XXXX account in XXXX  XXXX on XX/XX/XXXX. Account # XXXX belonging to XXXX XXXX # XXXX. Neither XXXX, XXXX XXXX nor XXXXXXXX XXXX will give me any updates on the investigation.We have solid evidence that neither my wife nor myself cashed this check. I am submitting a complaint and formal request for an update on the investigation to each company. This investigation has been going on since XXXX of XXXX, 8 months now, and I haven't been contacted to answer questions or anything. I don't even know if an investigation is actually taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover continues to deny me credit due to a prior Discover Card Account that was discharged under XXXX XXXX Bankruptcy on XX/XX/2020 in the United States District Court District of Minnesota Bankruptcy Court. Discover shouldnt be denying me credit or still holding me liable or responsible for a previous Discover Card Account that was discharged under XXXX XXXX Bankruptcy in bankruptcy court. I have a right under federal law to a fresh start, and a right to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXXl 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 instruction

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 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, Capital charged me an outrageous interest charge of {$60.00}!!! and to be honest i have no idea why. I have not used the card because at the moment i am jobless and have not been able to pay. Capital One already knows i am XXXX  because i have called before all my due dates and told that i have not been able to pay. They put me on a special finance program where i would not be charged late fees for 3 months and i thank them for that. But knowing how hard i am struggling, how could they charge me this outrageous fee for God knows what. When i had a job, i was making all my payments so its not like i am lying or a bad customer. this is ridiculous. They know that as soon as i am back up on my feet financially i will continue making payments. They even know the amount in my checkings account which is extremely low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: MN

Complaint narrative:
All of the Adverse and negative information and accounts listed on my XXXX Credit Report Reference Number : XXXX is inaccurate and not my negative information or accounts. There shouldnt be any negative accounts or information listed on my credit report at all. No accounts or information should be currently listed on my credit report.

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 2022-02-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
The truck loan is paid off with credit acceptance and its still on my credit

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 2022-02-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 instruction

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 2022-02-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: Early Warning Services, LLC
State: MN

Complaint narrative:
The following information and closed bank accounts listed on my Early Warning Comprehensive File Disclosure Consumer ID : XXXX is inaccurate, fraudulent and not my closed bank accounts : XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX Bank, Bank Routing Number : XXXX, Account Number : XXXX, XXXX  XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX  XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX  XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, The following credit Inquiries are fraudulent and not my credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
RE : Adverse Action Dear CITIBANK Account number : XXXX I, the consumer and natural person, was denied credit my Account was closed without my consent by CITIBANK After I applied for a XXXX XXXX CITIBANK CREDIT CARD.Adverse action against a Consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by CITIBANK due to the response I received.CITIBANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.Furthermore because my social security number, CITIBANK XXXX XXXXXXXX CREDIT CARD was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CITIBANK.If CITIBANK fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit I will indeed make CITIBANK criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX XXXX XXXX / Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-02-20 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 — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
I have a prepaid Netspend debit card. I have often seen lots of small charges ranging from XXXX to {$1.00} on it charged in places I'm not in and at times I'm somewhere else. ( I can verify this ). Netspend has told me those are someone checking in to see my balance, they claimed to be unable to do anything about it, and they had me purchase a new debit card. I did so and changed the PIN number. 

But nothing changed. I signed up for the text alert when my card is used and that's where I am now. 

At XXXX XXXX Pacific XX/XX/2022 today, when I was at home in XXXX, I got an alert that my new card was charged for {$30.00} at a XXXX  in XXXX XXXX. I only know this because I was sent a text alert. This charge wiped out my account. I was at home in XXXX when I got the alert. XXXX XXXX is far from my home. 

I am working class poor. {$20.00} of that {$30.00} was going to go to groceries that I planned to get tomorrow/Sunday. 

I immediately went to the Netspend " dispute charge ''. That page wouldn't load ; I got a 404 error. The 404 error happened the last time I went to the Netspend account to dispute a false charge. I couldn't call because their call center is closed. I will call in the morning when they're open during my time zone. 

I think Netspend and its associated XXXX is complicit in fraud. I need help, please, making this stop. Netspend has not helped.

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 2022-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: FL

Complaint narrative:
Just got this in the mail today and I wan na pay it off. So yall dont send this to me no more cause I dont use trust bank anymore, so when I send this please close the account cause I did already and yall still sent this to me when it wasnt at a negative balance.

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 2022-02-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2022-02-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2022-02-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Since XX/XX/2021, I have been requesting that Aargon Agency halt the collection of this debt and in return of further investigation, remove this account from my credit report. They have continuously reporting this account to the national credit bureaus even though its housing inaccurate and inconsistent information. 

Upon pulling my credit file and seeing this account that I had no knowledge of, I disputed it and it came back " verified. '' I reached out to this company to ask for more information and a detailed investigation into this account. Aargon Agency decided to not respect any of my requests. Instead, I was sent a bill statement that housed by name but an address not familiar to me and dates that directly conflict with times I was living elsewhere. Because, of these inconsistencies and inaccurate information I asked Aargon Agency to dissolve this account and request deletion of this account from my consumer report. They have chosen not to comply with federal and state law. 

I have reached at least once a month since XX/XX/2021 and Aargon Agency has countlessly stated that this account is verified. Although, I have requested the written agreement between Aargon Agency and I, the company they claim they're collecting for or this address of service. I've asked for clarification of the amount as it's inconsistent with the reporting amount on my credit file and I've also shown their inconsistent information with a rental agreement different from the dates of service they claim I owe for. This is not my account and it is being treated as such. I do not claim ownership and have told Aargon Agency this to no respect of the consumer, they've made no effort to truly investigate this, look at the facts and oblige to my requests. 

Aside from false reporting, this account has also been closed and opened ( not removed ) on my consumer reports, this deceptive practice is causing a detriment to my score. In addition, Aargon Agency has also harassed me via phone over 20+ times from XXXX ( most importantly calling before legal debt collection time ). These are clear violations of the FDCPA and FCRA.

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 2022-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
I submitted a complaint regarding Aidvantage to the CFPB on XX/XX/XXXX. The CFPB and Aidvantage did not resolve my complaint. 

Aidvantage has been communicating to borrowers, including me, suggesting the urgency of enrolling in autopay. They then scheduled student borrowers to begin automatically making payments in XXXX despite the federal freeze going until XXXX. 

I have now received an apology from them saying they failed to send me info about my account in XX/XX/XXXX but they are sending it now. See attached image. The communication clearly is about me being enrolled in autopay but it also mentions the federal freeze. 

It is clear now that Aidvantage failed to notify borrowers of their enrollment in autopay because the company knew many borrowers would unenroll if they were away of the federal freeze on payments and XXXX intention to ignore it. 

CFPB needs to actually take action.

Company response to consumer: Closed with explanation