vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BANK OF THE WEST
State: TX

Complaint narrative:
I have been making payments for this RV for almost a year now using auto-draft. On the month of the 1st full year making payments, my auto-draft feature turned itself off. I originally had it set up through Bank of the West 's application. When I called them the first time, I was on the phone with XXXX, an XXXX XXXX XXXX, they told me I had not used bank of the west for auto-draft. They suspected that I used my XXXX bank to set up payments, which again I used the application their bank provided. They couldn't help me try to figure out how the feature turned itself off in the first place. It was originally set up to be taken on the XXXX of each month and my billing statements all support that. However, now that it was 6 days past due because of this, while on the phone with the first representative, I opted to pay a {$5000.00} to the account. I received confirmation number XXXX on the XXXX of XXXX at XXXX central time. He also helped me set up auto-draft through Bank of the West at that time. The next day I made a smaller payment to send a payment with a faster authorization time to show the account current. Since it was Sunday, I scheduled it for Monday. Monday comes and it did not get authorized nor was a confirmation email sent. I called customer service again, this time speaking to a XXXX. She also said that she couldn't understand how the auto-draft feature turned itself off. That only the customer can do that. I assure anyone, I would not do that. It was working flawlessly before. Again I was told I must've used my own bank, which was incorrect again. Then I was told XXXX was the one making the payments. I only used their application. If they can't see who they use to process their own electronic payments, and make their customers feel afraid for their credit score, how can I continue to be a banking customer nor want to expand their own specific services? I only used their online website and application. My account is showing late and no matter what form of payment I try whether online or through their application, it does not work. I tried again while writing this complaint at XXXX central time on XX/XX/XXXX ; nothing. I'm almost reaching the 10 day grace period for this payment and I can already hear and see the automated debt collection response I will receive. I'll probably talk to someone who wont know that I have been trying since the 1st day of it being late, that I have been trying to pay it.

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 2022-12-05 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
We are reaching out to you today to file a complaint against Monterey Financial Services for direct violation of the Fair Debt Collection Act. We agreed with XXXX XXXX to settle with them for {$1000.00} and sign a release agreement. We completed that process but XXXX XXXX never cashed the check but reported the debt as paid in full due to Grantors request, which led us to believe this had been resolved. However, come to find out, XXXX sent our account to collections. We notified Monterey Financial Services of this issue, yet they continued to reach out to us anyway. We want it on record, that Monterey Financial Services did not follow the Fair Debt Collection guidelines and all communication from them needs to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act - XXXX Account # 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 written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
On XX/XX/22 my credit report agency notified me that I had a negative account change in my credit. I looked and I was in collections with an agency called Online Information Services for {$520.00}. I then saw that this agency reported this to XXXX on XX/XX/22, reported it to XXXX on XX/XX/22, and reported it to XXXX on XX/XX/22. It was for an energy company in Texas. I have never lived in Texas nor did I ever give my consent to anyone to use my information to open an account under my name. The Energy company 's name is XXXX XXXX. The account number for this person is XXXX XXXX XXXX. I found out that the person used my social security number to open this account and used my name. The number associated to this account is ( XXXX ) XXXX. On XX/XX/22 I filed a police report but do not have the report yet. The report number is XXXX. This is the second time that this has happened to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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: CA

Complaint narrative:
Hi I have tried to reach out to all bureaus again and got a response on XXXX from only transunion and nothing has changed and after pulling my report again I still see no change.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST
State: IA

Complaint narrative:
I tried to make a purchase and my card was declined. I look at my banking app, Bank of the West is my bank, and I see they charged me 5 times a fee of {$35.00} and all it states is FEE. I call their customer service line as my local branch was closed at the time. I talked to three or four different people and each one of them refused to tell me what the fees were for and insisted that I would have to go in to the branch in the morning. Irritated I finally agreed. The next morning I go into the branch and speak with the banker she tells me that I had five overdraft fees. The day the fees were charged for my end balance was {$35.00}. She tells me that my XXXX that was sent to me that day did not post until the next morning and that's why I got those fees. First of all if I couldn't use that money till the next day why did they give it to me? Second of all XXXX is instant so if it didn't post that don't make sense. Third of all why did my end balance say {$35.00}? This sounds like their mistake not mine. The banker told me she can take off one fee. Oh so I only get charged {$140.00} for their mistake rather than XXXX? I don't think I deserve to be charged when they gave me the money the day of and had they have waited till it " '' posted then I never would've got charged. This makes it their mistake I want my money back this is theft on their part. They are closing my acct and i want my money that they stole from me!

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 2022-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
4 months on end I have attempted to get these three credit bureaus to erase inquiries from Capital One that I never initiated. They have turned the Blind Eye to both an FTC report and a cfpb complaint. I was a victim of the XXXX in 2017 and have struggled ever since and repairing what is an ongoing spiral of my credit history and I would appreciate it if this XXXX XXXX paid attention to the fcra and the rules of government. Most importantly 640b in regards to identity theft in the rules surrounding those incidences. Please remove the Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-12-05 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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I have an account with consumers portfolio, three months ago I called to tell them that I was having some hardship issues, I was off work because I was sick and my hour had been reduced. During the pandemic. I continued to make payments but I couldnt make the whole payment at once, three months has pass and I hear nothing from them, I kept sending text through their portal and no response, I always sent a messages letting them know how much I was paying and the date and when I would pay the difference. I got a email from them in stating that my car was going to be repossessed, I was puzzled because no one called or texted me, for months. I ask for help again and told they couldnt help me, I asked for a lower payment and was told no that they couldnt help me. 
I need help. I dont understand why the car dealership placed my car loan with a debt collector, when I traded my vehicle in for this one. I believe Im being taken advantage of my this company and the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Payactiv, Inc.
State: OH

Complaint narrative:
On XX/XX/2022, I requested a payroll card from Payactiv. They stated that it would take 7-10 business days to receive it. Over the course of a few weeks, I was sent notices that my card was on the way, that the card was delivered, and how to activate said card. 

On XX/XX/XXXX, I got a notification email that my card was returned. I called and asked why it was returned and they stated that i wasnt physically home to have it hand delivered to me, even though the emails stated to check my mailbox. 

I called the company on XX/XX/2022, to request a new card, and they stated that I would receive the card in 7-10 business days. I called in XX/XX/2022, to see why I hadnt received my card. I was told that the time to request a new card had expired and that they would have to reissue the card.

I am frustrated because I still have a temporary digital card but I am unable to retrieve funds from an atm. I had to do a transfer from the temp card, then transfer the funds via XXXX to place it into my checking account. It should not be this hard to just get a payroll card and Payactiv has made it impossible to get a straight answer or decent customer service. I do believe that they are deceptive and doing this on purpose to aggravate their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
Upon checking with the furnisher Chrysler Capital it appears there are several inaccuracies reporting on my credit reports between the bureaus. 

The inaccuracies are as follows : The date opened shows XX/XX/XXXX. However on 2 of the bureaus it is reporting XX/XX/XXXX ( I had not even inquired at this time ) The date last active do not match up as well The date of last payment shows XX/XX/XXXX on two bureaus and XX/XX/XXXX ( Which is correct? ) XXXX of XXXX XXXX bureaus are reporting 30 days late and one is reporting ok XX/XX/XXXX bureaus are reporting ok and one is reporting 30 days late XX/XX/XXXX XXXX bureaus report 30 days late one reports ok XXXX of XXXX 2 bureaus report 60 days late one reports 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: MD

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Last XXXX of SS # XXXX Credit Bureau Name : Transunion Credit Bureau Address : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name : XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes removed XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX Maryland XXXX XXXX : XX/XX/XXXX Last XXXX of SS # XXXX Credit Bureau Name : Equifax Credit Bureau Address : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name : XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes removed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: CA

Complaint narrative:
THIS CREDITOR HAS BEGAN SNDING LETTERS STATING THAT I OWE DEBT O AN ACCOUNT I HAVE ABSOLUTLEY NO KNOWKEDGE OF OR HAVE EVER POSSESED AND ACCOUNT WITH THIS CREDITOR. I DEMAND THEY STOP SENDING LETTERS TO MY ADDRESS AND PROCEED WITH REMOVING THIS FRADULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: DE

Complaint narrative:
I received letter from Financial Recovery Services Inc. that I owe a debt to XXXX  now XXXX  XXXX XXXX that I never incurred. The first I heard of this was in a letter that I received on XXXX XXXX XXXX. Apparently this transaction occurred in XXXX of XXXX. Besides not ever using the above mentioned services, the time frame was also suspicious in that they would not have contacted me directly but waited a year and an half to send to a collection agency to try to receive payment. I assured them that this was not my debt but they said they would need a copy of a police report to resolve this issue. I contacted the police, made a report and they suggested I come here and file a report. XXXX could or would not tell me what the debt was for or when it occurred just saying i made a small payment in XXXX of XXXX and if I checked my records it would refresh my memory. Well I did just that and no payment of the amount they stated was ever made from any account or credit card I own. I then called the credit bureaus as the police suggested and none of them had any record of any activity on my credit. I do not know the validity of XXXX but all signs point to this being a shakedown.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation