vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've been disputing with the three bureaus for a very long time, now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do NOT belong to me / late payments that I'm not aware of.

*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can keep such information on my credit report with no proof of verification of debt owed no hand written signatures no Nada. Please help me cause I'm taking this to the next level after this.

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 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've been disputing with the three bureaus for a very long time, now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do NOT belong to me / late payments that I'm not aware of.

*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can keep such information on my credit report with no proof of verification of debt owed no hand written signatures no Nada. Please help me cause I'm taking this to the next level after this.

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 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I've been disputing with the three bureaus for a very long time, now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do NOT belong to me / late payments that I'm not aware of.

*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can keep such information on my credit report with no proof of verification of debt owed no hand written signatures no Nada. Please help me cause I'm taking this to the next level after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC.
State: OH

Complaint narrative:
The morning of Friday XX/XX/XXXX, I received a notification I needed to verify my identity to keep my bank account open with XXXX. I had just gotten this bank account a couple months earlier, it was already verified, and working fine. I used it only for normal transactions like shipping in stores and online, and all my app/web subscriptions. 

The notification said I had until XX/XX/XXXX to verify my identity. It said when I start the process which should take less than 10 minutes, my account will not be accessible until I complete verification. I completed it the first time, where each step has no inputs to answer their questions. I tried again, and it allowed me to submit my drivers license. It got to the end and did not verify. I tried 2 more times and it still didnt work. I was locked out of my account. I couldnt access the Help Chat because I was locked out of the app and the website. 

The email that notified me of needing to submit new identity verification said I could reply directly to the email for help. I did so and got no reply. By nighttime I got an email telling me I was almost done applying to start an account with them, and apparently I no longer had an account with XXXX. They clearly deleted my account without any reason or warning or info. 

I checked online for all their Terms and I didnt break any of them. This is my ONLY bank account and Im in the middle of a huge business deal, this has been a really terrible experience and I found out tons of other people have had the same bad experiences with no help. From other complaints Ive read, anyone with this issue has had their money lost to XXXX and no explanation or customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
Cavalry Portfolio Solutions has willfully reported information on my consumer report without consent. I have repeatedly disputed the information with the consumer reporting agencies with no desired outcome. They have stated that they have verified the information but have all failed to provide me with proper verification as per 15 USC 1692g. I am the original creditor and I have never verified the alleged debt as they are not mine. There willful violations of my consumer rights have cost me multiple extensions of credit which include the ability to purchase a vehicle that is very much needed to get to and from my place of employment as well as severely debilitated my ability to provide transportation to my daughter to and from school.

Cavalry Portfolio Services furnished a report without my express written permission CPS violated my right to privacy and provided factual information on my consumer report.

CPS did not exclude the authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card as per 15 USC 1602 They failed to provide verification to the alleged debt as per 15 usc 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I, XXXX XXXX, am a consumer as defined by 15 USC 1602 ( i ). On or around XX/XX/2015 I entered into a consumer credit transaction with Capital One. Pursuant to Federal law, a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605, a finance charge is the sum of ALL charges in a consumer credit transaction. As a consumer, and understanding what a consumer credit transaction is, I was not expecting a bill. During the course of this consumer credit transaction, I received multiple bills from Capital One which is a violation of 15 USC 1692b. Additionally, by sending me a bill, Capital One would be deemed a debt collector pursuant to 15 USC 1692a ( 6 ). Each statement for this alleged debt failed to disclose that the communication was from a debt collector which is a violation of 15 USC 1692. Additionally, each statement came with a positive balance. How can you pay on an account with a positive balance? This is a violation of 15 USC 1692e ( 2 ) ( A ).

Within 5 days of my initial communication with Capital One, they failed to provide me with the 5 requirements under 15 USC 1692g ( a ) which is a violation. Lastly, under 15 USC 1666b it's a violation to deem any payment as late under a consumer credit transaction and Capital One has done that for months on my consumer credit report which is a violation.

Lastly, pursuant to 15 USC 1681a ( 2 ) ( B ) this transaction is supposed to be excluded from a consumer report. By reporting this transaction, Capital One is also in violation of the FCRA and liable for damages for this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On Sunday XXXX I called Citi Bank to report our card was lost while on vacation and there had been some high dollar transactions made on my card. An agent named XXXX called me back and left a message on Thursday XXXX asking to give them a call back. When I spoke with her she said some transactions were not reported, so we got that straightened out. XXXX then began asking me what happened, to which I told her i believe the card and my ID was left in a taxi I took while I was on vacation, she then told me my story was not making sense and asked why I did not file a police report, and then stated they need a police report and plane tickets. I don't know why this would be required, or why this has become such a more embarrassing issue than what it should be, as if I am to blame for these transactions. She would not answer my questions about the claim or the process and I asked to speak to a manager. I was told I would receive a call back from one today XXXX and I have not gotten a call back from anyone. She also told me she would be sending me an email with information they're requesting and I have not gotten that either. I am worried about these transactions still showing on my credit report and on my account and I am afraid I am not going to be given a chance to have this resolved. It was the most unacceptable encounter I have ever had with a financial institution and refusing to file a fraud claim or even delaying it once have already told them I lost my card is just horrible business practice.

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 2021-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Specialty Northwest, Inc.
State: OR

Complaint narrative:
Creditors Specialty Northwest Inc. has sent me 3 written notices. None of which have included a statement describing my right to dispute the debt. The first notice instead states : " In your own best interest, we urge you to pay this account immediately. Please contact this office and make arrangements for taking care of this legal obligation. '' Put simply, they never provided a statement about my right to dispute. If anything, their first notice vaguely threatens that if I do not pay them, I will face legal consequences.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: Resurgence Financial, LLC
State: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is attempting to get an additional judgment for a judgment from XXXX. They filed a memorandum for costs after a judgment in XXXX XXXX, XXXX  on XX/XX/XXXX to my former residence in XXXX XXXX XXXX, XXXX  at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I've lived in XXXX, XXXX  at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX since XX/XX/XXXX due to a Covid-19 related job-loss. 

The original judgment filed in XXXX XXXX XXXX XXXX for my defaulted debt with XXXX in XXXX. 

They have also subpoenaed my tax returns, paystubs and other financial documents from my creditors, namely XXXX XXXX XXXX 

Based on the court filing, Resurgence Financial , LLC. purchased the outstanding debt from XXXX and now is trying to resuscitate zombie debt during a pandemic, and is trying to manipulate the court system in XXXX Further, XXXX  destroys all court-records after 10 years and some of the information on the new filing is not consistent with the original judgment. I have copies. The new filing is based on an attestation from the XXXX XXXX XXXX and not actual documents. 

I have clients in the mortgage and real estate industry who are subjected to bully tactics from Resurgence Financial that seeks multiple judgments on the very old debt and puts in on the credit reporting files as a way to tarnish the credit of people who owe past judgments or to extort additional money from people. Most of my clients get the judgment or collection removed from their credit but it is harassment. 

If I still lived in XXXX, the filings should take place in my home county NOT 49 miles away in another county which is a 2-hour drive one-way. Additionally, XXXX XXXX XXXX Courts have been closed for certain filings due to the pandemic and was hard hit with Covid cases so they tried to file in XXXX XXXX because of it's lax laws and lenient Covid restrictions, but I moved back to XXXX because I couldn't afford to stay in XXXX. 

Resurgence and XXXX XXXX XXXX are attempting to renew a judgment when I have proof of me living in XXXX and XXXX  for the past 12 years out of 13 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I just received a response from Bank of the West regarding my previous dispute their response to me was they returned the debt back to the bank and i am to contact them to work out a payment resolution thru the pandemic relief act, however after the response the collection account was removed from my account and Bank of The West reported the same credit card twice on my XXXX XXXX with the original opened and closed date and then again with the closed date and the dollar amount is off by a few dollars so they are now violating the Fair Credit Reporting Act by reporting the same debt twice,

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 2021-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: LEXISNEXIS
State: NY

Complaint narrative:
Pursuant to 15 USC 1681 a ( 4 ), you are required by federal law there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Its the consumer right to privacy and bankruptcy should not be listed on my credit report as this is a private matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management has been raising the amount owed from {$610.00} to {$610.00} then lowing it again back down to {$610.00} for weeks to mess with my credit. 
I set up a payment plan with them I made a {$50.00} payment and set up payment plan. Then they erased the payment plan. I started another payment and another {$50.00} down on it and now their site shows I still owe the {$610.00}. My credit report shows I owe {$530.00}. On top of this I have been disputing the date opened for weeks. I know this card wasnt opened in XXXX. It was opened XXXX if XXXX and they have statements when I log in proving this, which I have saved to my phone. 
I have tried settling with them in full with all income I have available no matter when I called they were very rude to me, and kept asking for more and more. 
Their website shows I havent ever made a single payment but I have emails showing the payments and a bank statement showing I have made a payment. I dont understand whats going on with this company but Im just trying fix my credit and pay down my debt and they are making paying them a horrible process and running me around for the money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have contact well fargo and transaction made online on my debit card over XXXX $ and welfargo denied my claim i dont made purchases online I only purchase to the store only I need them to do something about it they can denied my claim over XXXX thats a lot of money to be denied they need to reimburse me the money

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 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The following account is reporting INACCURATELY. 

XXXX XXXX  XXXX Account Number : XXXX This account should not be considered late for 90 days 55 times. This account has been charged off since XX/XX/2014 yet is still reporting late. Please prove that this account was in fact able due for a payment on those dates after and prove that the owner of the account had legal right to collect payments for those alleged late dates or REMOVE THE ACCOUNT FROM MY REPORT. 

This account was also removed from XXXX I have requested paperwork proving the accuracy according to section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I.C. Systems Inc. ( 3rd party collections for XXXX XXXX ) is in violation of the FCRA regarding this account of {$470.00} by attempting to collect on a debt older than allowable years for reporting amongst other violations : I am requesting assistance in having it cleared from XXXX in specific. This account was removed from XXXX and XXXX for FCRA violation ; the same as I'm requesting it be in this instance. 
I have disputed through the online dispute option. The dates being represented are misleading as to origination of the debt 's dates. 
Also, the debt 's time within a third party collection cycle has negatively impacted my credit for longer than the " reasonably stipulated '' penalty timing/ phase on a credit report.

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 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
The following account is reporting INACCURATELY. 

BANK OF AMERICA Account Number : XXXX This account should not be considered late for 90 days 55 times. This account has been charged off since XX/XX/2014 yet is still reporting late. Please prove that this account was in fact able due for a payment on those dates after and prove that the owner of the account had legal right to collect payments for those alleged late dates or REMOVE THE ACCOUNT FROM MY REPORT. 

This account was also removed from XXXX I have requested paperwork proving the accuracy according to section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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