vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX XXXX  showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX  XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late.

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 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: CA

Complaint narrative:
The account was closed and the debt was charged off; requested the company to provide XXXX. The company did not response. The 1st contact attempt was sent out on XX/XX/year> and 2nd request is sent out on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive attempted to discuss the issue with transunion they are refusing to comply and are not removing a negative account from my credit report. Its under investigation passed 30 days. They said they did a thorough investigation but they are lying since the account has not been reported or updated since XX/XX/year>

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 2024-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Whomever this may concern. When I first purchased the XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, I tried to return it the second day. The company did not have a posting saying no returns. When i tried to return it after they tried to fix it twice. I called Credit Acceptance to see what they could do or any options that i have since this is my way of living, they told me I couldn't do anything. I've also asked for a copy of my warranty which I have yet to receive. This car has caused me great XXXX, money, and loss of more than one job because it does not run properly. Also, when I signed the contract it was for XXXX not for what they are trying to charge me now. They overcharged me, putting me in great debt. I will have to take further action if this is not investigated. My car is in the shop right now for the XXXX time for the same issue that I have to keep paying for. I have been truly tricked out of my money and a car. I would like to request a timely response or propose a meeting to discuss the issue further.

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 2024-06-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CIBC BANCORP USA INC.
State: OR

Complaint narrative:
My CD was due to mature on XX/XX/year>. On XX/XX/year> I contacted CIBC to ask for the procedure to have the funds transferred to my account at the XXXX  XXXX XXXX. I submitted all the required information on CIBC website on XX/XX/year>. On XX/XX/year> I had to call asking for the status of the transfer. The XXXX told me my request was going to be " expedited to the back office and someone would get back to me ''. I never received a call. On XX/XX/year> a XXXX XXXX called and left a message saying someone from their wire department was going to call to get the wiring instructions even though this was all provided by me in my submittal to CIBC on XX/XX/year>. Again, nobody called. I called XXXX XXXX back on XX/XX/year> and she promised that someone would call. Come XX/XX/year> and still no calls. I contacted the bank again on XX/XX/year> and the XXXX said they were going to look into it. Finally, someone from the wiring department did call and I had to provide the bank information all over again. I even had to tell them how much the amount was going to be transferred. Shouldn't the bank know how much money that they owe me? 
This is one of the worst experiences I had ever encountered with a bank. My gut feeling is they were hoping I would give up and let them keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
**False Information by Debt Collector** : The debt collector associated with XXXX  XXXX XXXX has been sending false information regarding the debt, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
This is also is prima facie evidence of an illegal eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gravamen Asset Management Group LLC
State: CT

Complaint narrative:
Dear Kessler & willians This is my response to your notice about a debt. You report in my credit report information about a debt amounting to {$640.00} due on XX/XX/24 to the original creditor XXXX XXXX lam not responsible for the debt you're attempting to collect. 
If you have proof and a good reason to believe that I am responsible for this debt, please mail me the relevant documentation, including ( but not limited to ) : Proof you are licensed in Connecticut to collect on this debt. 
Final statement or bill showing the amount I owe. 
Contract that I signed proving this debt is mine. 
Details about the last action taken on this account + proof. 
Please record that I dispute any ownership of this debt and stop all other communication with me and this address. If you stop collecting on this debt and forward it to a separate company, please let them know that I disputed it. Please also report my dispute to the credit bureau if you will report ( or already have reported ) this debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Concord Servicing Corporation
State: TX

Complaint narrative:
I contacted all XXXX credit bureaus and companies via certified mail on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( provided proof ) requesting they provide verification and that I signed authorizing my personal information to be tarnished by them. I requested evidence of authorization in alleged matter, authorization of law for my collection matter, authorization of law for their collection in alleged debt in my state, provide evidence or proof of alleged debt, including my signature of contact with my signature, and provide complete history including any charges added for collection ctivity. They did not do any of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello. On XX/XX/XXXX, I visited the Chase Bank branch at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I requested to open savings and checking accounts and provided my XXXX driver 's license and EAD ( work authorization ) as identification. Since XXXX could not issue cards on time, they provided certificates, which a California notary notarized. However, the bank worker refused to proceed with the account opening, citing that my card was expired. When another banker came, she reiterated the same refusal. I felt this was incorrect because I can legally work with those Chase people and should be able to open an account for my salary in Chase. I felt discriminated against.

Afterward, I went to a different branch, where they quickly opened both accounts without any questions. 

Today, I left a complaint at the original branch, expressing my feelings of discrimination and suggesting improvements to help other customers facing similar issues. However, a few hours later, I received a message from Chase stating they needed additional information and would close my account. It seemed to me that they wanted to limit my freedom of speech. If further information was required, why was the account opened without issue initially, and why were there no problems until that moment? This situation appears arbitrary to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: CA

Complaint narrative:
Ive attempted to discuss the issue with transunion they are refusing to comply and are not removing a negative account from my credit report. Its under investigation passed 30 days. They said they did a thorough investigation but they are lying since the account has not been reported or updated since XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX, a XXXX man with XXXX XXXX XXXX, became a victim of a sophisticated spoofing attack. Acting on fraudulent instructions received via email, I initiated a {$25000.00} wire transfer from my business account at XXXX XXXX XXXXXXXX to an account at Capital One, believing it was a legitimate transaction. 

On the same day, I returned to XXXX XXXX  XXXX and reported the fraud. XXXX XXXX XXXX promptly sent a service message to Capital One, requesting the return of the funds. Capital One responded the next day, XX/XX/XXXX, asking for additional details, which XXXX XXXX XXXXXXXX promptly provided. Capital One indicated that the process could take up to 90 days. 

While waiting for Capital Ones response, on XX/XX/XXXX, I reported the incident to the Internet Crime Complaint Center ( ICCC ). Despite this, after the 90-day periodXXXX XXXX XXXX XXXXXXXX followed up with Capital One on XX/XX/XXXX, but received no response. Another follow-up was made on XX/XX/XXXX, still without any communication from Capital One. 

Additionally, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). In their response, Capital One stated, " We encourage you to continue working with your financial institution through their wire recall process. '' However, despite this statement, Capital One did not respond to the wire recall request from XXXX XXXX XXXXXXXX, leaving the matter unresolved. 

Attached you will find the letter from Capital One, XXXX XXXX XXXXXXXX, and the XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After Speaking with the courthouse asking do the report bankruptcies to the credit bureaus and they respond was NO " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 
XXXX XXXX XXXX section XXXX ( XXXX ) ( XXXX ) XXXX ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under XXXX XXXX XXXX. 
According to : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
According to : XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions According to : XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After Speaking with the courthouse asking do the report bankruptcies to the credit bureaus and they respond was NO " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 
XXXX XXXX XXXX section XXXX ( XXXX ) ( XXXX ) XXXX ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under XXXX XXXX XXXX. 
According to : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
According to : XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions According to : XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Requested the company to provide 1099-C charge off ; debt forgiven. Company did not provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I was looking into my personal credit report and noticed that there was some incomplete, and inaccurate information on my report. According to the Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. As well as Whenever a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates XXXX XXXX. XXXX Section ( I ) ( XXXX ). This account XXXX XXXX, XXXX XXXX, is not complete and is not accurate. 

XXXX XXXX, XXXX XXXX open date is not reporting correctly, date of last active, date of last payment, this account is not accurate or complete. 

I mailed out a letter for verification on XXXX XXXX. Asking all Credit Bureaus to reinvestigate this account. 

I got the investigation back ( XXXX Report XXXX XXXX ) but noticed nothing modified or updated. According to XXXX XXXX XXXX ( I ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX Account XXXX XXXX, and XXXX XXXX  Account # XXXX has violated my rights. 

156 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 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 2024-06-26 00:00:00
Product: Credit reporting 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX Account XXXX XXXX, and XXXX XXXX Account # XXXX has violated my rights. 

156 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 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 2024-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Frost-Arnett Company
State: TX

Complaint narrative:
I received a debt collection notice from Frost-Arnett Company in XX/XX/XXXX for a medical debt that I do not owe. I responded with a verification of debt letter. They responded without adequate validation of the debt and informed me that I still owed the debt. Upon investigation, I found that according to Tex. Fin. Code 392.402, any debt collection agency collecting in the State of Texas must have a valid surety bond filed with the Secretary of State. Two separate phone calls to the Statutory Documents Section of the Office of the Secretary of State confirmed that Frost-Arnett 's XXXX location ( from which they mailed the collection notice ) has not had a valid surety bond posted with the Secretary of State since XXXX. 

The Secretary of State 's office also confirmed on two separate phone calls that all debt collection agencies collecting debts in the State of Texas must have a surety bond posted FOR ALL LOCATIONS FROM WHICH THEY ARE COLLECTING. Since Frost-Arnett 's XXXX office does not have a valid surety bond with the Texas Secretary of State, they are illegally collecting debts in the State of Texas and in violation of 15 U.S. Code 1692e ( 1 ) and Tex. Fin. Code. 392.304 ( 9 ) by false representation or implication that they are bonded by the Texas Secretary of State. The Office of SOS encouraged me to file a complaint with the Texas Attorney General and the CFPB.

Company response to consumer: Closed with explanation