vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery is reporting a collection account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. Enhanced Recovery is in violation of the FDCPA and I am requesting that this account is deleted from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi; I opened a dispute with my bank trough CFPB under this claim number : XXXX They respond that will open the dispute and give a temporary credit, until now I dont have that temporary credit and also I dont have any letter from the bank of the status of the claim. 
Attached goes the letter from the bank of the original claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My taxes were deposited and available to my account per text message. On XX/XX/2023 I transferred money from a checking to a savings account that same day. The next day and the following days more transfers and some payments made to cash app. Majority of my transactions were transfers from my savings to my checking account with the biggest paymentbto vash app being {$1200.00} when I woke up on the XXXX of XXXX My my account was negative {$1200.00} when I called the bank They advised me that my account was negative on the XXXX in the amount of {$5500.00} because of a transfer from my checkingbto my savinging she said the funds were available but not posted at the time I transferred. My account went negative based on transfers from my savings to my checking or from my checking to my savings. However I know like with right now if my account is negative it's not gon na allow me to continue transferring money from one account to the other when I talk to the representative at Wells Fargo she advised me that my account was negative because of the way Wells Fargo processes the transfers and deposits. She told me that my account was negative over {$5000.00} after a {$4500.00} transfer and then I got a deposit of {$6600.00} which doesn't make any sense because I got a text message from them when the {$6600.00} deposit was made also I didn't have XXXX to transfer before I got that text. This is fraud there is no way that I should owe {$1200.00} based off of transfers. That I made from XXXX account to another when the backs will not allow you to transfer money from XXXX account to the other that is not available. I watched the money I transfered be removed from the balance as I make the transactions so I'm unsure how this money is owed when the money i spend shows u avaliable the moment I spend 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 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I can not file any more disputes on inaccurate information. i have a collection account that keeps popping up under different names every other year or so. its the XXXX XXXX XXXX  ( then it will disappear, then reappear ) which is the same as the XXXX XXXX, like they keep reselling information that is incorrect. i want them to stop reporting inaccurate information on my credit report as i have never gotten a call or letter from them but they always appear on my credit report. its not just them its all the ones in the attachment i can not seem to get rid of and keep disputing. the ones in the attachments i can not dispute anymore and have explained my hardships many of times. i have been on medical leave from work since XXXX/XXXX and have become a XXXX XXXXXXXX vet. The thing is Im trying to fix my credit to provide for me and my children and a lot of these accounts need to be removed and not keep reselling information to other companies and a lot of the companies in red need to update their information as well. this applies to all three bureaus. also how come the one dept of education there is only one in red? you can not discharge student loans thru XXXX. Im working on that since i am 100 percent they will be discharged hopefully all thru VA. all Im trying to do is better my situation/credit and I'm getting nowhere. None of my credit reports match at all. And I dont know if TMI XXXX but Ive been getting denied for a house to buy/rent because of a lot of things on my credit and dont know how to go about getting them to be removed because I am XXXX with XXXX   children. I sure hope this reaches the right person. Thank you so much.

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 2023-03-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 DEPTEDXXXX 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 the following companies have 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

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 2023-03-07 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: NAVY FEDERAL CREDIT UNION
State: GA

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have disputed this and the information that's on my credit report is not correct. The dates and activity are all different. the information is not correct across the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have an open auto loan with your company Bridgecrest that was opened a few years back. Unfortunately, in XXXX XXXX XXXX I was 30 days late. I have tried to ask for a goodwill letter based on the long-standing relationship I've had with Bridgcrest and the fact that I was in a tight financial situation, but I was not very successful with this request. I am hoping that by reaching out to someone of higher authority that you would be able to assist me with getting the late payment removed from my credit report as it is causing me extreme hardship. I do believe that customer service is limited as far as customer requests are concerned, and I know that they are only doing their job. I want to insert that paying late was not intentional and I have been current ever since and my credit report will show that. We are all human and sometimes have misfortune, and I am asking to be forgiven for this mishap. I have really enjoyed my relationship with Bridgecrest and would love to continue doing business. I hope that you can forgive my shortcomings and help me with this late payment removal. I really hope to hear a favorable outcome from Bridgecrest. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : 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.

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 2023-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
On XX/XX/2022 I purchased a property that will under a tax abatement program ( PILOT or Payment In Lieu Of Taxes Program ) for the next 20 years. Under this program, I am only liable for certain percentage of the property taxes : 50 % for the first 3 years, 65 % for the next 16 years and 80 % for the last year. 

My mortgage as well as my escrow are serviced by XXXXLakeview Mortgage Servicing . I have provided XXXXLakeview Mortgage Servicing with Tax Bills, a letter from the Deputy Tax Collector explaining the PILOT program and an additional letter from the Deputy Tax Collector forecasting my future tax bills. 

Unfortunately XXXXLakeview Mortgage Servicing does not acknowledge these communications and continues to bill my escrow at 100 % of the ordinary applicable taxes assessed without considering the abatement. This is increasing my monthly escrow bill significantly for no reason. 

In addition, XXXXLakeview Mortgage Servicing missed paying the property taxes for Q4 2022 incurring a late fee of {$100.00}. This fee has been charged to my escrow account even though I am not the one that missed the payment. 

Thank you, 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 2023-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
XX/XX/23 I called to close account and have the funds ( over XXXX ) wired to another bank. 

XX/XX/23 they closed the savings account. But as of this date XX/XX/23 have not received any of the funds.

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 2023-03-07 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: NY

Complaint narrative:
Let this complaint serve as my consumer statement as it relates to the fraudulent account. I XXXX XXXX provided all documents required by law to remove a fraudulent tradeline. 
As stated in the FCRA 15 usc 1681c-2 all items resulting from fraud must be blocked and removed from within 4 business days. The item was not removed during the investigation as stated under the FCRA neither which is a violation under the FCRA.

Equifax is claiming the fraudulent account owner has verified the account. BUT IT IS FRAUD! PYOD has no proof my information was submitted by Me to this account holder. The account is a fraudulent! Equifax is to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates and Equifax has failed and is continuing to report a fraudulent account.

Ive provided all items required by 15 usc 1681c-2 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

What is Equifax reason for not abiding by the law? 

I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
According to the law, a debt collection agency can not collect interest on debt if that was not part of the original agreement. They are attempting to collect interest on a medical debt that has no original interest applied. They are also trying to collect on a " no show '' fee for an appointment that I DID cancel, as evident by my cell phone statement and the outgoing call log.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have asked for them to stop calling and to contact me through mail. They call all day and harass me at my calling from different numbers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
After I filed the claim someone from the office of the director contacted me with questions. I explained that my account has been hacked approximately 40 times The account has been frozen five times and someone keeps lifting the freeze without letting me know!! She said she was putting a freeze back on the account!! 
Shortly after the account got hit!! After a few calls over 3 months I stated that I was no further along!! They are saying I owe money! I asked for an explanation and they are unable to get me one!! There are fees and interest being charged to the account and I just received a letter saying that they completed their investigation and they are correct!! I still dont have any idea what the charges are for!! And the amount keeps going up!! So far its gone up {$500.00} And they still cant give me an explanation!! And how do the freezes keep getting lifted without my knowledge!! 
Last but not least they notified experian that I was satisfied and they wanted to close the complaint!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
On Mon, XX/XX/2023 at XXXX XXXX  XXXX XXXX XXXX wrote : My account should of been unsuspended due your company errors. This has been going on now since XX/XX/2023, with nothing but the run around due to someone tried to use my affirm debit account for the amount of {$44.00}. Now my account suspended due to this. I have uploaded my ID to identify myself still have not heard from anyone. Now affirm debit fraudulently took {$110.00} from my suspended account with the attached bank statement showing it was taken on XX/XX/2023, which I did not authorized. Also for the same account affirm debit account a refund was given by XXXX for the amounts of {$18.00} and {$48.00}. My total contract amount was {$110.00} and with a refund of {$18.00}, {$48.00} from XXXX back to the aff rim debit account and also debited {$110.00} from my bank account. The company is holding my refund of {$61.00}. I will be filing a complaint with the XXXXXXXX XXXX XXXX and also to my bank. 


I expect for this matter be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX On Sat, XX/XX/2023 at XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX wrote : Hello XXXX, Thank you for contacting Affirm. 

We are excited to confirm we have received your request to recover your Affirm account. We understand how important it is to have access to your account. To review this request, we will need additional information from you. 

Please follow the link HERE to securely submit your documents for verification. This is a single-use link that expires in 3 days. You will need to submit clear photos of your government-issued ID as well as a photo of yourself. Acceptable forms of ID include : Driver 's License Passport Identity Card Our Account Safety team reviews these submissions Monday - Friday. Once submitted, please allow 7 business days for your documents to be reviewed and, if approved, updated. You'll be notified via email on the outcome of your request. 

If you have any additional questions or concerns, please contact us through the Affirm Help Center at affirm.com/help or by calling XXXX. Our customer care representatives are available to take your call between the hours of XXXX XXXX and XXXX XXXX  XXXX seven days a week. Thank you and have a wonderful day! 

Sincerely, XXXX XXXX. 
Affirm Help Center

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit
State: TX

Complaint narrative:
first of i am a XXXX vet, i have two auto loans with vw credit. the XXXX XXXX, i no longer have in my possession as the other primary borrower does. i do not have accurate information as to where he lives anymore but the agreement was for him to take over payments in which he has but he is continuously late and it has been affecting my credit as well as his. i don't want to be on here anymore. i have expressed this many times to XXXX XXXX  and they keep offering me the same options that dont and cant apply to me. i can not refinance because he has the vehicle and he does not have a license thats valid, then hes always late on payments. let him ( the other party be solely responsible and remove my name ). this has been affecting me severly as i cant obtain a house to buy let alone even rent because of this. i just want out of this as i am no longer working and cant keep up with having my name on the XXXX XXXX anymore. my credit is dropping bad and i want out of this or have asked them if the have a co-signer/buyer release form or what not. i can not afford to be on this as its detrimental to my health and credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was notified by Midland Credit management of a debt owed. I mailed out a debt validation letter seeking I owed such debt to this collection agency. Midland Credit Management responded with account summaries and a letter from said original creditor XXXX. I also sent dispute notice to all three credit bureaus and only XXXX has responded to my dispute in which they said it has been verified. The information sent to me has not been enough to validate this as my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizens cant make up their minds. I keep getting contradictory answers. Now they claim XXXX wants the money. Its not XXXX. Everyone who sent money has done so on their own. Their accounts were refunded in XXXX per their request. I want my money now. Citizens sends me a letter that the account is closed. They keep taking monthly fees snd tells me the account is open ( I am being robbed by them ) l. Then Im told to go to a branch and get my money, but the branch cant because there is a hold and the main office wont even return the branches phone calls. The information sent to me by the home office is very incomplete and now its time for them to return to me my money snd stop playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
It's a medical debt being report on my credit report. XXXX XXXX should not be reporting my credit due to HIPAA law and violations...

Company response to consumer: Closed with explanation