vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
This company keep reporting inaccurate to my XXXX credit report I never signed any contracts with this company saying I will pay them never did they do not have my signature saying I agree to the debt they keep giving out a ups tracking number thats not even real this company is lieing to get by and keep reporting to my credit I will like proof that I own this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Beginning of this month, someone opened a credit card ( last XXXX # : XXXX ) through my bank, BOA under my old last name ( XXXX ) & had sent to my old address. Filed a report with BOA fraud department.

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 2022-08-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
My wife ( XXXX XXXX XXXX had a lease with XXXX XXXX. We decided to purchase the vehicle at the end of the lease ( we are a few months away. When we contacted the dealer- the direction on the website- they told us we were REQUIRED to finance with the dealership or someone they refer us to. That is not in our lease agreement and the rates were much higher than what was available to us from other sources. 

When I called XXXX XXXX they told us this was a common occurrence at the dealership - common enough that XXXX XXXX had decided consumers would not have to deal with the local dealership - and XXXX XXXX professionally handled our transition from a lease to a loan with XXXX XXXXXXXX XXXX XXXX. 

I spoke to the Area Manager for XXXX XXXX- and he said he knows this happens and they are working on it? I told him that is an outrageous answer - people that are defrauding their clients should be fired! Basically the people at XXXX XXXX -including the sales person and business manager lied to us about our lease agreement to trick us into taking a loan with one of their partners so - in their words " they could make some money on the loan '' ... They didn't just try to sell it- they said it would be required - and they would sue us and attempt to rescind the purchase if we got a loan with another financing agency. 

I am sure they would catch some people in this net but it is fraud, illegal and clearly unethical. 

We had to spend additional time to get this completed ( which it now has been completed ). 

We believe some compensation for us is in order ; and some sanctions against the dealership should be imposed... 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was not notified by Capital One that my Venture card was about to auto-renew for the {$59.00} membership fee. I received an email that a membership fee was on my statement and I called them to downgrade to a card that did not have a membership fee before it was taken out of my account. I was given a new card with no fee, but then still charged the membership fee for the Venture card. I called Capital One and was told that they could not reverse the charge because my Venture card was technically active for a few days. A supervisor told me that I would have needed to call 40 days before the membership auto renewed to successfully downgrade to a card with no fee, which is not common knowledge. Additionally, I was told that I " agreed '' to still pay the membership fee for the Venture card when I accepted the new terms and conditions for the card with no membership fee. I asked for them to share the recorded call where I technically " agreed '' to still pay the membership fee for the other card and they said it was proprietary information. They have refused to reverse the charges. Their practices for auto-renewing membership fees are incredibly deceptive and trapped me into a credit card that I no longer want.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-14 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I, a responsible consumer, XXXX, reasonably believe that I have been a victim of ID Theft. 

I detailed my story in my ID THEFT AFFIDAVIT ( attached ). I reached out to the XXXX Police department and filed a report. And I also filed a report with FTC and USPS. 

I HAVE FOLLOWED ALL THE ADVICE. I did everything XXXX XXXX to do. 

It seemed like a lot of work! But I went down my to do list -step by step -ensuring I do the best I can as I attempt to navigate name clearing process, its frustrating that Ive come to a stop. 

An INFORMATION FURNISHER AND DEBT BUYER NAMED PORTFOLIO RECOVERY ASSOCIATES LLC LOCATED AT : XXXX XXXX XXXX XXXX VA XXXX has very openly decided to ignore the rules of how to assist a victim of id theft. 


Can you please help me remind PORTFOLIO RECOVERY ASSOCIATES of the laws and protections for American citizens like myself. XXXX not going to pay XXXX debts that ARE NOT MINE. 

Maybe PORTFOLIO RECOVERY associates dont understand rules? 


ACCOUNTS IN QUESTION ARE XXXX COLLECTION accounts Owned by Portfolio bought from XXXX XXXX is for XXXX and the other is {$350.00}. 

BOTH ARE NOT MINE. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have tried to get back on a hardship plan that had me on and have pain around {$1000.00} and have told them to put that towards the cash advances I did which were never done causing me to get charged an interest fee for it which all I ever pulled out was {$800.00} dollars worth which by me tell them to put in toward the cash advance I should be in the high {$4000.00} range but I still keep getting the max out even though I cut the credit card up so no more transaction will come out. They will not work with me on lowering my interest rate. I am struggling to pay the minimum payment with is almost {$800.00} dollars a month by them rasing so high i might have to file bankruptcy just because of on greedy credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: TX

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below company has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX 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 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 2022-08-14 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: CA

Complaint narrative:
My Name is XXXX XXXX I have been banking with Wells Fargo Bank XXXX California Since XXXX, l have both personal, saving and Business Account with this Bank ; On the XX/XX/XXXX at about XXXX I was at wells Fargo Bank XXXX XXXX XXXX XXXX XXXX CA XXXX at the bank ATM machine inside XXXX store right beside Wells Fargo Bank XXXX I deposited {$120.00}, {$20.00} dollar bills with my Business debit card ending in XXXX and the ATM Machine Hocked my money and the ATM machine Malfunction and could not deposit nor return my money. 
I call one of the Banker I was speaking to earlier XXXX XXXX XXXX ID : XXXX to come and help and she followed me to the ATM and saw it jammed and malfunctioned, when i told her I need them to open the ATM machine so that I can get my money back because I needed to pay an urgent bill, she told me they can not do that in the bank but I should call a number at the back of my card and complain. 

i called the number and I was given a claim number XXXX and was told it will be investigated within 10 business days and they will get back to me I complained XX/XX/XXXX right in the bank on a chair for customers of the bank. and left I called the bank after 10 days when nobody called me and I was told that the matter has been finalized and the result says the money was returned to the customer and there was no deposit. 

I went to the bank XX/XX/XXXX Met one XXXX at XXXX she told me she is aware of the matter but XXXX was not on duty that day, took the claim number again and said the matter will be escalated because they saw what happened. I went back to the bank XX/XX/XXXX to let them know that wells Fargo customer service agent told me that the money has been given to a supposed customer but not me because the ATM machine stopped working and the banker asked me to call a number and after that call I left the bank premises when i was told I will be contacted within 10 business days and no money was returned to me. 
I met banker XXXX XXXX Personal Banker XXXX XXXX ID XXXX on XX/XX/XXXX XXXX who contacted customer service and was told that they have the video footage of the customer who received the money after the machine was opened by the machine technician, Banker XXXX asked if they could produce the video footage, customer service agent said they can not unless through the police. 

I went to the Police station in XXXX XXXX California to report this injustice and was given A police report Number XXXX XXXX. XX/XX/XXXX .DEP NAME XXXX. 

The bank sent me Letter saying there was XXXX deposit on that day which contradict customer service which says the customer was given the money and there was a video footage. 

Please see police report number and well Fargo Bank letter sent to me.

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 2022-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
: RESURGENT CAPITAL SERVICES you are in direct violation of my rights under the FCRA act.

-Failed to validate a debt at my request-FDCPA VIOLATION -Continued to report a disputed debt to the CRA- FCRA VIOLATION -Continued to attempt to collect a disputed debt- FDCPA VIOLATION -Reporting a charged off account with a balance- FCRA VIOLATION -Ignored my request for proof of my signature-FDCPA VIOLATION Not only have you ignored my prior request for Validation of Debt, but you also continue to report this charge off account with a balance causing damage to my character. I AM NOT ASKING FOR A COPY OF A BILL OR SUMMARY! Please provide full proof of this debt including MY SIGNATURE binding me to this debt that you claim belongs to me and that I owe. This letter will request that you follow guidelines of The Fair Debt Collection Practices ( FDCPA ), 15 U.S.C. & 1692 and please provide the following : VALIDATION OF DEBT REQUEST -PROOF OF THE CREDITORS RIGHT TO OWN/COLLECT THIS ALLEGED DEBT- BALANCE CLAIMED INCLUDING ALL FEES, INTEREST AND PENALTIES -CONTRACT BEARING MY PERSONAL SIGNATURE- LICENSE PROOF OF THE CREDITOR TO COLLECT DEBT IN MY STATE Should you continue to ignore my request for this validation letter including proof of my signature, you are in direct violations of my consumer rights as indicated under both the FDCPA and the FCRA. I advise you to delete this account from all credit bureaus including the hard inquiry that I did not authorize. Show proof of the application that resulted in an inquiry. If not, remove that inquiry from all credit agencies that you are reporting too. DO NOT send me a summary or a bill without my signed signature that bonds me to this debt. I have been a victim of Identity Theft and have been dealing with fraudulent debt for the past few years. The credit bureaus are aware of my Identity Theft as well. If you fail to follow the law, I will report you to the Consumer Financial Protection Bureau as well as the XXXX. If this is not rectified in the correct manner. Per my lawyers request, I will sue you in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Credit Protections Under the Coronavirus CARES Act Under the CARES Act, if your account is up to date and you make a debt-relief deal with a creditor, that creditor must continue to report the debt as current. 

If you miss one or more loan, credit card, or mortgage payments because of the coronavirus ( COVID-19 ) pandemic, the creditor can report you as delinquent to the three main credit reporting bureausXXXX, XXXX, and XXXXand your credit score will take a hit. 

The CARES Act, which was signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. 
Debt collectors are not allowed to communicate with me under the 15 USC 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I have paid off a XXXX XXXX XXXX XXXX  that was reported to ChexSystems as paid off but every time I try to open an account up with any other credit union it doesn't allow me to and the other credit unions XXXX has to override it after I show proof it was

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 2022-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was scammed out of XXXX $ on XXXX  last night i sent money to the persons email after being sworn multiple times itll be sent back because its a deposit fee for security purposes. well this person kept making stuff up and adding more charges it once went from me sending XXXX $ like we originally agreed on to sending XXXX $ and this lady refused to send my money back unless i keep sending more which is a scam. please help i need the XXXX back i have a lot of bills and am only XXXX XXXX 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 2022-08-14 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:
A bank listed us taking out a mortgage instead we took a Home equity loan. The bank listed with three different account on our credit files, one of wich was home owner mortgqge. Sumitted information concerning the error to Equifax, It was overlooked, also in XXXX EQUIFAX listed another Home Owner 's mortgage infomation in our credit files. On XX/XX/XXXX sent a letter about these problems they continued to ignore after I ask to remove this error. We were listed with Three accounts, Convenital, Re-finance, Home Owner Mortgage Loans. In XXXX, we purchased a Home Equity Loan, and we have singed only one mortgage loan in our lifetime which was FHA loan paid and close before applying for Home Equity Loan. No psitive Results. 

We have been deined credit reports since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 XXXX : It also states a consumer reporting agency can not furnish an 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 2022-08-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 XXXX : 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