vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated by how is that possible if the Bridge Crest Company has not provided the necessary documents under the law of the State of Florida UCC code 679.01. and state RISA and MVSA statutes deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a can not without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation certified mail tracking #

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 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XX/XX/2023 I wrote letters to multiply debt collectors Midland Credit Management, requesting the following information, Original contract with my web signature, Creditor information, name, address and phone number, payment history and itemized billing and proof of ownership. The collections agencies had 30 days to provide me with the requested information and failed to do so, therefore they should have removed the collection accounts from my credit report. Section 604 15 U.S.CODE 1681 B, Section 605A 15 U.S CODE 1681 C-1 and Section 605 B 15 U.S CODE 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Acquisitions Group
State: NC

Complaint narrative:
I have received multiple emails from the debt collection agency where they are telling my settlement account is {$1000.00}. Total Amount Due {$2000.00} with an invoice date of whatever date they are sending me the email. The original amount was {$600.00}, with a balance of {$590.00} My credit report is only showing {$1000.00}, not {$2000.00}. This debt collection company has sent multiple emails inflating the total amount due. They are also repeatedly showing the debt as a NEW debt every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Colony Brands, Inc.
State: TX

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 Fight 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 nstructions.

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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was considering a personal loan. I started talking to a company, XXXX, but ultimately decided I would not move forward with them. When I advised them I was told that they had already sent money to my checking account ( these funds were returned unpaid as I later learned from my bank ). Over the next few days they kept depositing money in my checking account and asking me to send it back to them by either XXXX or at the end, but purchasing XXXX gift cards and me providing them with the numbers on the cards. Then then started to move money around in my other linked accounts at Citibank. I now know that all their deposits to my account were ultimately rejected as fraudent deposits, although the bank did not notice me in a timely fashion that the deposits were not going to be processed. Citibank treated these deposits as immediately available, so it lulled me into confidence that I could return them as I did not want the money and did not want to do business with this entity. In the usual course of business, Citibank would place a hold on the funds availability to confirm that the funds were good before allowing me to draw on the deposit. Had they done so, I would not have immediately returned the funds as I did in good faith relying on Citibank to have vetted the deposit so as to protect me and themselves against check deposits that were not good funds. It should be noted that these deposits were made by mobile deposit into my account, and I did not initiate the deposits, nor did I endorse the checks. A view of these checks shows that the signature on the back is not mine, and as noted, the mobile deposits were not made by my cellphone. This situation involving multiple deposits to my accounts ( all of which were not 'good funds ' has compromised me to the amount of {$15000.00}. The fraudulent checks were drawn on 'funds ' from the XXXX of New Mexico 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 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I'm sick of this bank I have proof of these transactions which I would upload I believe they are stealing taken my money you are charged for overdraft fee plus the money XXXX XXXX doy and XXXX was taken out my account where is the overdraft fee XXXX dollars where's the overdraft fee XXXX dollars where's the overdraft fee these are uneven amount I want my money I've complained and complained there should be recording of me calling and complaining and that money they responded with is just a throw off to suppose to satisfy me nope I want my money I opened the the first account in XXXX when it was first Tennessee they told me I didn't I got my first check in XXXX they told me I opened the account in XXXX this bank is full of liars and thieves my current balance never match my available balance I'm fed up where's my CD account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a complaint against CAPITAL ONE FINANCIAL CORPORATION for violating my federally protected consumer rights. I contacted the CFO XXXX XXXX XXXX, directly but have not received any response. 

*NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* I recently received a copy of my XXXX, XXXX, and XXXX consumer reports. I noticed that it is reporting my experience with CAPITAL ONE FINANCIAL CORPORATION. The line of credit I have with your CAPITAL ONE FINANCIAL CORPORATION. The line of credit I have with CAPITAL ONE FINANCIAL CORPORATION, which is characterized as utilization on my consumer reports, CAPITAL ONE FINANCIAL CORPORATION IS ILLEGALLY REPORTING THIS EXPERIENCE, ( utilizations ) on my consumer reports. 

XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX CAPITAL ONE FINANCIAL CORPORATION is in clear violation of the law. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer, ( ME ) and the person, ( YOU ) CAPITAL ONE FINANCIAL CORPORATION, Making the report is not included on my Consumer Report! 
Utilization is an experience with the line of credit that was extended between the consumer, ( ME ) and the person, ( YOU ) CAPITAL ONE FINANCIAL CORPORATION, the person making the report is NOT INCLUDED on my Consumer Report! CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the Consumer Reports! 

YOU HAVE VIOLATED THE FCRA 15 U.S. Code 1681a2 ( A ) ( i ), by reporting this transaction, or experience ( Utilization ) on my Consumer Reports, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my utilization to 5 % or below or delete all utilization from the below account : CAPITAL ONE Credit Card Account Number : XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above utilization will result in legal action being taken against CAPITAL ONE FINANCIAL CORPORATION, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent, Non-Compliance. 
3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act, 15 USC 1681 for violations under willful and non-compliance. 616. 15 U.S. Code 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX {$1800.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER reporting agency can not FURNISH AN 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 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 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
On XX/XX/2023 I wrote letters to multiply debt collectors NCA, requesting the following information, Original contract with my web signature, Creditor information, name, address and phone number, payment history and itemized billing and proof of ownership. The collections agencies had 30 days to provide me with the requested information and failed to do so, therefore they should have removed the collection accounts from my credit report. Section 604 15 U.S.CODE 1681 B, Section 605A 15 U.S CODE 1681 C-1 and Section 605 B 15 U.S CODE 1681 C-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc
State: AL

Complaint narrative:
Possibleff this account in XXXX. They have now illegally reopened the account with current dates which falsely manipulates the statute of limitations. Charge offs are not allowed to have active payment history and can not be opened and closed at the creditors decision. I have also requested verification of debt over 90 days ago to verify orginial signatures and they refuse to process the request. This is illegal and the creditor has no choice but to provide validation of this debt and remove past history as this is a CHARGE off and you can not manipulate the dates.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OH

Complaint narrative:
Hello, On XX/XX/XXXX my US Bank Checking account was put under review for XXXX transactions I authorized out of the account and has been set to close ever since then but has not been officially close and my funds have been frozen ever since. 

Since that date, I have called 10+ times as well as visiting my local branch and have received a multitude of answers from service representatives. 

An agent told me I can go up to my branch on XX/XX/XXXX to collect the {$1900.00} balance in the account to which the branch manager called the back end and it was confirmed thats not the case and my funds are still on hold. 

I have been told this process would take a week but here I am a month later without my funds and have recieved ZERO correspondence via phone, mail or email about this whole ordeal and I am wondering if I will ever see my money again. 

The account is not closed and they are using that excuse to not disperse my funds but whatever state the account is in at the moment I am not able to login to online banking or withdraw funds in any way Please please help me I am afraid I will never see my money again.

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 2023-03-13 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: LA

Complaint narrative:
Please See Attached Documents 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . 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 inaccurate. You are PROHIBITED BY LAW to furnish accurate information. I demand you to CEASE and DECEASE of this inaccurate information immediately. You are hereby put on notice you have been reporting inaccurate information. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The lender must file a 1099-c and you a copy of the debt if more than XXXX $ and the lender is a federal institution, credit union, and government agency . Please send me my form 1099 c that they should of sent you that they filed as cancelled debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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 write to XXXX, Equifax and XXXX XXXX as my credit reports wrongfully continue to be reported as OPEN for my XXXX XXXX account although I voluntarily CLOSED my account long ago and I have diligently sought to have my account marked CLOSED which required immediate mid cycle reporting to every CRA of my closed status. In fact, I have attached a XX/XX/XXXX listing of 2 entries on my credit report documenting that my account was CLOSED. One entry states XXXX XXXX account was closed On XX/XX/XXXX, your XXXX XXXX credit card was closed. A second entry similarly states : Account Information Changed. Remark code added to XXXX XXXX account. Between XX/XX/XXXX and XX/XX/XXXX, the following remark was added to thus account : Account closed by consumer. Since it is admitted that my account was closed and in fact reported as Closed, the failure to block changes from Closed to Open, constitutes an obvious Facially False Data deficiency which is prohibited as warned recently by CFOB Director XXXX XXXX. Kindly permanently delete my account and send me additional statutory damages of {$1000.00} for repeated uncurled willful violations of the FCRA and Metro 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: AL

Complaint narrative:
XXXX XXXX  charged off this account in 2021. They have now illegally reopened the account with current dates which falsely manipulates the statute of limitations. Charge offs are not allowed to have active payment history and can not be opened and closed at the creditors decision. I have also requested verification of debt over 90 days ago to verify orginial signatures and they refuse to process the request. This is illegal and the creditor has no choice but to provide validation of this debt and remove past history as this is a CHARGE off and you can not manipulate the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: OH

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
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I Opened account with Bank of America and out of nowhere they closed the account. They said they didnt have to disclose the reason and they didnt give me a notice as they said they did or I wouldve withdraw my money. 

They said they were going to return my money in a cashiers check. But the money never came. Ive called three or four times, and they say that the check was issued and sent to my place but it never came. 

Now Im calling and they say I have to wait 120 days until they re-issue another check or I have to wait until this check is returned. This is the most inconvenienced Ive ever been by a professional bank. 

The customer service is terrible regarding this issue. They act as if Im a non-factor now that they closed my bank. 

They said they couldnt even track it because they didnt put a tracking number on a cashiers check. 

Having to go months without my money is outrageous. They took it within 30 minutes but now I have to wait three or four months to get it back no matter the hardships I am enduring. 

# Terrible

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 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XX/XX/2023 I wrote letters to multiply debt collectors LNLV FUNDING LLC, requesting the following information, Original contract with my web signature, Creditor information, name, address and phone number, payment history and itemized billing and proof of ownership. The collections agencies had 30 days to provide me with the requested information and failed to do so, therefore they should have removed the collection accounts from my credit report. Section 604 15 U.S.CODE 1681 B, Section 605A 15 U.S CODE 1681 C-1 and Section 605 B 15 U.S CODE 1681 C-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo foreclosed on my home in 2016 when they denied me on extended my forbearance agreement and would not approve me for a loan modification that would have enabled me to stay in my home. I want to be added to the settlement that your company reached with Wells Fargo that I should have already been included in the lawsuit. I send a letter to Wells Fargo stating all of the information and the reason why I should be included in the settlement of the lawsuit.

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 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It has come to my attention that TransUnion, XXXX and XXXX are reporting my tranactions and experiences to the consumer report. According to FCRA 15 US Code 1681a2a1 these are exclusions.

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