vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 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: MD

Complaint narrative:
Midland Credit Management has failed to delete the account as agreed or has re-reported the alleged debt. According to the original CFPB complaint # XXXX, which was forwarded to the Office of the Comptroller of the Currency, Midland Credit Management on behalf of XXXX  XXXX agreed to delete this account from the credit bureaus. The amount currently being reported is {$580.00} and reflects on XXXX, XXXX, and XXXX reports and shall be deleted as agreed upon receipt of this notice. The last reported date is XX/XX/XXXX and reflects an alleged account open date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: Regional Management Corporation
State: TX

Complaint narrative:
Regional Finance is in clear violation of this section of the law ( 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2022 ) without a copy of my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than 60 days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to SPRINGOAKCAP which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2021. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from XXXX or I will have no choice but to forward this to my litigation attorney. Attached is the debt validation letter I sent your company 2 months ago to the point of no avail. The letter is dated and time stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
We have a mortgage with FNBO in XXXX XXXX, IL. The loan was through XXXX FNBO. XXXX is now holding the loan. 

We have not been able to access our loan for a year, online and do not get proper statements without calling to request them, and then it takes 3 weeks for the letter to get to us. FNBO say that we do not have a mortgage with them. XXXX tells us they can not fix the tech problem and tells us to contact FNBO. It has been a complete run-around and we have spoken to no less than 40 people about the issue. The issue is not resolved and we can not see our mortgage at all, the escrow amounts, or our principal payments. We don't even know what we owe at this point. We need this cleared up, asap, please. 

We've had the loan for over 2 years and originally set it up for automatic payments. They are still taking our money every month.

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 2023-07-27 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: IL

Complaint narrative:
I submitted a complaint last XX/XX/2023 for the removal of the unauthorized and fraudulent inquiries but they are still reporting on my credit report. I submitted a complaint again dated XX/XX/2023 but it was immediately. This is why I'm reaching out again regarding these fraudulent inquiries and for assistance to remove them from my credit report immediately. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: TX

Complaint narrative:
On or around XX/XX/2023 I lost my Prepaid debit card. I last used my card on XXXX { {$16.00} } earlier that same day, I went to the gas station that may be where I lost my card. I eventually went home and realized I lost my card. I immediately called to get a replacement card. I then realized that someone found my card and was using it without my permission. I followed the instruction of the representative and soon filed a dispute but it didnt include all charges so another dispute had to be filed a day later ). I was told I would receive a provisional credit in 10 days while they investigated my dispute. The unauthorized transactions were : XXXX { {$20.00}, {$50.00}, {$20.00} ) XXXX XXXX XXXX XXXX XXXX totaling over {$2000.00} approximately XX/XX/2023 The bank decided to close my account, refund me the remaining balance that was left in my account after the fraud { XXXX } And stated no error occurred and I would not be receiving any refund from the dispute I filed. The agent sent an email to me this all occurred today after I filed a XXXX  complaint the bank decided to retaliate for me asking question.I have since then made several calls and asked for the documentation they used to come to their decision, but I have not gotten any satisfactory answers. I followed all the bank 's protocol for losing a debit card, ( I notified them within 5 hours after losing it. ) I filed a dispute once the transactions posted to the account. But yet they are denying my dispute and closing my account. I think that is very unfair. The agent told me that they determined since I filed a dispute for charges I didnt conduct after my paychecks went into the account that I mismanaged this account or caused account abuse when I asked for explanation as I havent violated any terms and legitimately didnt make these purchases the agent told me that they feel Im a high risk because I filed a complaint. This feels like consumer abuse and again NetSpend intentionally withdrew the money and then blames the consumer and when you question them about it they immediately close the account and say you are high risk.

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One decreased my credit limit and raised APR without proper notification. Account is current and no payments have been missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: NC

Complaint narrative:
In XXXX of XXXX, I realized that on my report their was inaccurate information being reported. The auto loan is from XXXX XXXX XXXXr opened on XXXX of XXXX. I have reached out to the company to get removed but no luck. Please remove this fraudulent account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing in regard to an alleged account that originally reported as delinquent in XX/XX/2016. So allegedly the other account was reported delinquent in 2016 yet Portfolio Recovery is illegally reporting this debt and threatened to sue me having an illegal adverse effect on my name and background. The amount of threatening and harassing calls I receive from them is insane. Not only is it not my debt, but this is a really old debt per their records. Additionally, they are reporting to reporting agencies, consumer agencies and credit bureaus despite this illegal/erroneous debt being over 7 years delinquent. 

There seems to be on-going illegal patterns and practices and intentional systematic old debt collector activity that Portfolio Recovery Services engages in. They obtain erroneous/fake old debt list from creditors, change the date of delinquency or date of open of the debt then begin harassing and threatening consumers to pay. They have robo-calls call several times a day threatening to take legal action and harassing consumers. They illegally change the date on the debt so they can harass, threaten and attempt to collect for longer periods of time. This is illegal and they should be investigated for patterns and practices of abuse. 




FEDERAL VIOLATIONS The Federal Credit Reporting Act ( FCRA ) provides that adverse information can not be reported on a background check longer than 7 years from delinquency date, even when unethical debt purchasers purchase debts. Such purchasers of debts can not make up dates and start delinquency dates years from the original delinquency dates. Such debt collection practices are illegal and will be reported to Consumer Financial Protection Bureau ( CFPB ) for the agency to investigate patterns of illegal practices /class action litigation. They are violating my XXXX Rights by reporting erroneous, outdated adverse information on my background preventing me from obtaining employment. 


CALIFORNIA VIOLATIONS The new California Law requires that : All debt XXXX and debt buyers operating in California are required to apply for a license with the Department. A license is required to do operate, do business, and collect debt in the XXXX of California. 
The statute of limitations on debt in California is ( 4 ) four years, as stated in the state 's Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment. 


They are trying to collect {$11000.00} of money not owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to lodge a formal complaint against Vystar Credit Union XXXX XXXX abrupt cancellation of my credit card and its subsequent adverse impact on my credit report. 

My credit card account with Vystar was unilaterally closed by the bank following a single missed payment. Despite assurances from a representative of the institution that if I made the payment, the card would be taken out of collection status, and I would be able to continue using it and making payments towards it, my account was closed without my knowledge. This action, I believe, constitutes a violation of my consumer rights. 

In addition to this, I have been consistently unable to access my online account due to persistent maintenance issues, often encountering messages indicating that the online portal is down. This has limited my ability to effectively manage my account and could be considered a contributing factor to my payment issues. 

With these ongoing difficulties in mind, I express my willingness to establish an automatic payment system, ensuring no future payments are missed, should my account be reinstated. If this is not feasible, I respectfully request that this account be removed from my credit report. 

Moreover, I would like to highlight my rights under the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). XXXX and FCRA regulate the provision of adequate account change notifications and accurate credit reporting, respectively. Given my inability to access my online account and set up electronic payments, my rights under the XXXX XXXX Transfer Act ( XXXX ), which establishes protections relating to the electronic transfer of funds, XXXX also be implicated. 

In light of these concerns, I kindly request that the Consumer Financial Protection Bureau investigate this matter, and I urge Vystar Credit Union to reconsider their decision, rectify the negative information on my credit report, and ensure reliable online access to my account. 

Given that I am currently residing outside the country and lack access to physical mail, I request that all communication regarding this matter be conducted via my email address : XXXX. 

You all have been helpful so far. Thank you for your attention to this matter as I would love to continue doing business with your institution.

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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I opened a new bank account with Citizens Bank on XX/XX/23. Citizens initiated a transfer of all my funds using my routing and account number from the bank I was leaving. ( I did not initiate this transfer whatsoever, I was just there watching. ) The total amount was {$6400.00} ( {$200.00} to savings, {$6200.00} to checking ) I was told this transfer would take maximum XXXX days. After 3 days, I called the bank and complained that I hadn't received the funds yet. They told me XXXX XXXX XXXX was holding it. After calling XXXX & XXXX, they said they released all the funds and they no longer have them. 

XXXX weeks later, both banks are having me call the other one for me to figure this problem out myself. I have been previously working with the Citizens branch XXXX, but have not been able to get anyone on the phone for a few days. Nobody seems to know where my money is or how I can get it back. There was a few times they thought they had found the problem. First, Citizens said their fraud department was holding onto it. However, upon calling them myself, they said they had no record of this. Then, the branch XXXX at Citizens said the money had bounced back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has no record of incoming transfers. 
It has been over XXXX weeks since Citizens has had all of my funds, and I have been unable to pay bills or rent without the help of friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: OK

Complaint narrative:
All three consumer reporting agencies are in violation of the FCRA laws as they have stated per their initial investigation into the accounts listed below that these accounts are valid. Per my investigation, confirmed by my credit report, all three consumer reporting agencies are reporting inaccurate information, even after stating they have validated these accounts. Either the furnisher to whom they are getting their information from is providing inaccurate information or the agencies themselves are knowingly reporting inaccurate information. I demand these accounts be deleted because there are being reported inaccurately and are in violation of the FCRA. 

DELETED the following accounts because of INACCURACY in the following categories : DATE OPENED - DATE LAST ACTIVE - DATE LAST PAYMENT - PAYMENT HISTORY - ACCOUNT STATUS - PAYMENT STATUS - BALANCE - HIGH CREDIT - CREDIT LIMIT XXXX XXXX XXXX  Account number : XXXX ( In accurate payment history ) XXXX  XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX XXXX XXXX  Account number : XXXX XXXX  XXXX Account number : XXXX  ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX  XXXX Account number : XXXX ( Payment history missing XX/XX/XXXX yet reporting still active as of months reported as collection ) XXXX  XXXX Account number : XXXX ( 3 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( 2 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX  XXXX  XXXX/ XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) All hard inquiries being reported by Experian and XXXX must be XXXX because they are reporting inaccurate information.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Credit and Collections Inc.
State: FL

Complaint narrative:
They sent it to collections company United Credit and Collections Original debt was with XXXX XXXX For XXXX which posted in checking account on XXXX XX/XX/2023. I found the transaction in my XXXX 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 2023-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
UNFAIR AND UN-ACCURATE CREDIT REPORTING HAS LED TO MANY CREDIT DENIALS AFTER I APPLIED USING MY SOCIAL SECURITY NUMBER. I HAVE BEEN DENIED CREDIT.

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 2023-07-27 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: GA

Complaint narrative:
Several attempts to all XXXX bureaus to clean derogatory and false information. I've mailed several letters, paid postage via certified mail, made several phone calls, to all XXXX bureaus since the year XXXX all to have the same items and addresses still show on my credit report. Letters I've sent a few times didn't receive responses. i reported fraud and also filed a police report back in XXXX due to suspicious activity with credit reports. Equifax has had a data breach that I feel I was affected by. I am currently homeless and cant seem to do anything financially due to derogatory remarks and items being reported that I have asked to be verified all for them to take forever to respond and then for these items to come back as verified all because the so called creditor may have found and use a current address in attempts to validate the debt. I've surrendered over several peices of of substantial evidence that backs my claims but no fair justice has taken place. Reps for these bureaus who are working from home most of the time has offered little to no help or information. Etc., etc., etc.

Company response to consumer: Closed with explanation