vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed the XXXX XXXX XXXX XXXX account that is showing on my credit report. This account is a civil judgment and shouldn't be reporting on my credit report. Experian did a dispute and it came back with no updated results and it's still showing on my credit report. I have spoken with a supervisor and stated that I was trying to establish that this was a civil judgment during the dispute with XXXX XXXX and for them to answer that it was a indeed civil judgment. A previous conversation with a XXXX I was told that XXXX XXXX directly towed Experian not to remove this account. Experian States on their actual site that civil judgments do not report on credit reports. As per consumer law no civil judgment information is to be reported on a credit bureau report. Experience is clearly in violation of my civil rights.

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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
My mom originally opened her acct over XXXX  years ago with Regions bank. In XXXX  I was working and decided to open an account for pay paychecks to be deposited in. The bank required me to have my mom on the account they said until I turned XXXX. XXXX XXXX now and I have tried to remove my mom but the bank has refused. They said I would have to close down this account and start all over, which is a hassle with the amount of bills I have coming up each month. Approximately XXXX months ago I noticed {$54.00} missing from my account. I called the bank and was given a run around and a hassle just to access the information. Then I was told it was offset to pay my moms loan payment that was in arrears. I am NOT liable for my moms loan payment, that is her sole debt, I did not sign for the loan and Im not the responsible party. I requested the money be returned to me but the bank refused. Fast forward, yesterday morning when I checked my account I noticed {$410.00} missing. This money was allocated for my bills. They left me in the negative. I called the bank and they said they applied it to my moms account once again. I went round and round with XXXX, the collections XXXX. She was rude and condescending and wouldnt let me speak. I asked why we were not notified. She claims we were notified. I asked for the date of the notification and she changed the subject. She said we were notified on the day the account was open, over XXXX   years ago. I do not feel that the bank has the right to take my money to pay another persons debt, that I did not agree to pay. Also this banks does it in a sneaky fashion by not sending notifications. Even IRS & Student loans give proper notifications before seizing money from an account. Now this morning I woke up to them taking another {$240.00} from my account. I do not know all the banking rules but have read that on joint accounts they cant pull money owed on sole debts that dont belong to me. 
I have more documents but I need to send them at a later date as they are not on this device. I will send these document that shows they credited my moms account with my debit. I also attached the only information I could find online that states that banks should not offset from joint account for a sole debt thats 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 explanation
Consumer complaint received 2023-12-08 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: FL

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2023-12-08 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: FL

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2023-12-08 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This bank account was opened as XXXX many many years ago. XXXX was acquired by ING Direct, who eventually were acquired by CapitalOne. I had a scheduled bill pay for my rent that would ship the XXXX of each month for delivery by the XXXX. It's been in use for about four years and never been a problem. The XX/XX/XXXX payment went out as expected ( and fully funded ) on XX/XX/XXXX but on XX/XX/XXXX, my landlord called to inform me that the payment did not arrive. I expedited my landlord a paper check ( which cleared immediately ) and called the bank to stop payment. I was told I could receive provisional credit within 10 days, but it may take 45 for the dispute to be closed. The check did not arrive as a result of a failure by CapitalOne to deliver it by the promised date. The stop payment should be instantaneous ( this is XXXX after all ) and the funds should be returned to my account immediately ( or next business day, at the very longest ). I've now called twice, had my call escalated to a manger on both calls, and been told there is nothing they can do. At this point, all I want is my money back and to close my account. I'll never do business with this bank again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Commercial Services, Inc
State: OH

Complaint narrative:
XX/XX/2023 Report number XXXX Accident happened XXXX XXXX and XXXX XXXX XXXX XXXX I didn't get a first notice until XX/XX/2023 and XXXX in XXXX  was going to give me a security suspension and apparently already had another suspension on my license The collection place told me I couldn't have XXXX XXXX XXXX XXXX statement saying I wasn't involved or even knew about situation until XXXX and found out cause of towing agency even though XXXX  XXXX XXXX paper they sent states other wise And now on XXXX XXXX XXXX I had agreed to pay monthly {$350.00}. the amount is now {$4600.00} total But when I was done with XXXX the collection agency caseworker called stating I did the last paper wrong but the XXXX XXXXXXXX approved everything She also wouldn't lower payment for XXXX XXXX XXXX since that's when I first found out about it They only called XXXX XXXX time and they didn't send him any papers I have to go get paper notarized again because she didn't tell me to not leave one spot opened for her She just told me to make sure I have to notarized paperwork and it was a must License date for suspension was XX/XX/2023 I had to pay collection agency XXXX that date and show proof at XXXX XXXX XXXX XXXX XXXX name is national commercial services , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number is XXXX Last notice was on XX/XX/XXXX for security suspension

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
They call me and when I answer no one is on the line, and all I hear is a beeping sound. If I dont answer, no message is left. I didnt authorize them to call my cellphone. Telephone Consumer Protection Act ( TCPA ). And it expressly outlaws almost all autodialed collection calls to cell phones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between the days XXXX  and XXXX  I was unemployment during the pandemic pui and Bank of America kept freezing my card saying that my card with Frozen because of suspicion of fraud I didn't ask them to freeze it they just did more than one time several times it would take forever for me to get to the front department to get it on Frozen weeks sometimes then they would ask me to be stupid questions and hang up on me then they close my account and sent my money I had left yet in my account back to unemployment and then I couldn't every time I recertified for my unemployment I didn't have any account to send the money to they didn't notify me that they were closing my account and it was several months before finally unemployment put another button on so that I could start certifying again I lost my car cuz I couldn't pay my car payments I got evicted from my house I'm homeless still from that and I don't think it was right if they kept freezing my card for fraud when I when I never asked them to and then they close my account because I was arguing with him on the phone and then I wasn't able to pay my bills or anything cuz I wasn't able to certify or when I did certify I had no bank account for unemployment to send the money to and I didn't get any of those certifications either because of the Bank of America my complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have XXXX inquiries I did not consent XXXX, Capital One auto finance, XXXX XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I received a letter in early XX/XX/2023 from my mortgage company Freedom Mortgage about not cashing my escrow refund check yet that they apparently sent out in XXXX or XXXX of 2023 and that they wanted to know why or that I was going to lose out on it. I NEVER received or even knew one was coming. I call the company about it and tell them I never received anything so after some discussion they said they canceled that check and sent another one. A month goes by and I call back and again it is the same thing of " ooo weird I wonder what happened '' and they " cancelled the check and issued a new one ''. This process has been repeated three times now and I still have not received my refund which includes an amount a little over $ XXXX. I asked why it cant just be wired since I can wire them money and they stated " The only exception to wire money is if there are two names on the mortgage and one of them is now deceased making cashing the check impossible ''. So they wont wired the funds, they won't put a tracker on the check in the mail but just keep " sending it out and hoping it makes it but wonder where it goes ''.

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 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
A writ of garnishment was hit to my bank account without proper notification I guess the papers were sent to an old address that I haven't lived at for over 2 years. 
The judgment was issued in XXXX of XXXXAccording to them I see that it was {$880.00} they added fees bringing it to {$1400.00} The writ of garnishment was the original amount {$1400.00} with other fees added to bring it to {$2100.00} and that is what the leviest for in my account I was not notified I've reached out to the company to try to get this reversed and set up a payment arrangement due to hardship and they refuse to work with me. 
It looks like according to the court papers that I obtained myself date submitted a writ of garnishment that is dated for XX/XX/XXXX of XXXX again I was never notified that this was going further or I would have taken action and taken care of it. 
I told the rude lady that wouldn't get me a manager that don't they think people 's lives change in 4 years why was I not reached out to about this situation to see if there was other alternatives I just need to get my money released so I don't have to find a place to live this has caused a financial hardship emotional hardship mental unstability on top of having a XXXX  I've been trying to deal with all this. 
I'm not trying to get out of the debt I'm trying to get the debt collector to work with me since they did not do what they were supposed to by notifying me of this writ of garnishment therefore I didn't have time to submit the questions because I didn't receive the documents therefore unfair practices on their part. 
For what I've read from this Midland funding company they're one of the worst debt collectors out there they do a lot of sneaky stuff I did file a motion with the court and the judge said I can reach out to them for a payment arrangement and they refuse to work with me they said they didn't get anything filed no motions no requirements no nothing so I uploaded all that to them today stating that they are able to work with me per the judge. 
So recap this all started in XX/XX/XXXX They submitted paperwork to the court on XX/XX/XXXX to add more fees it was filed in the court on XX/XX/XXXX they stated I was notified I did not receive anything from them otherwise I would have submitted the questions to be answered by me so that I can try to avoid this and work a payment arrangements for goodness sake I can almost have this paid off by now if I would have known about if I would have known if I would have known if I would have been notified correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
just got notification that i had a delinquent account for the first time in my life. credit card that i have had for over 10 years on autopay somehow stopped making payments 2 statements ago. logged in and found i was no longer enrolled in billpay at all. this happened right after bank of america forcibly changed the credit card to a different product.

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 monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my consumer reports effective immediately. I am attaching proof that Equifax has admitted I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts, inquiries and personal information from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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