vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a fraud report with my bank ( Santander ) due to some unauthorized activity that took place. The bank took action by freezing all of my accounts. Since this is the second instance of fraud involving this institution I decided to open a new account with a different institution XXXX XXXX XXXX XXXX XXXX. I was told by the representative with the fraud team at Santander that I could write a check on my existing account to fund the new account with the new institution XXXX XXXX XXXX. The reason they would allow for this exception is because I live four hours from the closet Santander branch. I was told that I just need to call the fraud team, give them the check number, amount, and the name of the depositing bank, which I did. A few days later I was notified by my new institution ( XXXX  ) that the check I wrote to fund the new account was rejected by my old bank ( Santander ). I have been calling for two days trying to speak with a supervisor and to get someone to authorize a wire transfer so I can move my funds from the old bank ( Santander ) to the new institution XXXX XXXX XXXX. I have spoken with at least three different reps an no one has been able to assist. I am being left on hold for hours on end only to be told that someone will call me back and then I do not get a call. Santader is has $ XXXX of my money and is now allowing me to access 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 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
For the second time, I have been contacted by a debt collector attempting to collect debt or to resolve a debt issue ( I think he said regarding a XXXX card ) with a person who is not me. Once again, I told this person that there is no one associated with my number by that name. The person they are attempting to collect/resolve issue with is XXXX or XXXX XXXX XXXX XXXX XXXX. I'm assuming this is a female with the middle name XXXX. I'm an older male. When I called back to this collector yesterday, I starting asking him who his company is and trying to get detailed information so I could report it. He then hung up on me. I told him again, there is no such person associated with me/my number. 

As for me personally, I have a credit freeze and fraud alert on my account because of past debt collector actions trying to collect someone else 's debt from me. I personally do not carry debt. I pay off my credit card every week. 

The telephone for this person ( according to the message he left his name is XXXX XXXX is : XXXX, ext XXXX ( The number also shows up on my phone as XXXX, XXXX XXXXXXXX, KS )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i have been sending letters to the cras ( XXXX EQUIFAX, XXXX ) to get this matter corrected since XX/XX/2021and they has done nothing or responded to my letters, it has been more than 30 days without no response.i am complaining about the inaccurate bankruptcy that they are reporting and won't delete it from my credit report.i even sent more letters off onXX/XX/2021 about the same situation and i am getting stress out behind this cause i am getting taking advantage of. they wont update the inaccurate personal information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Beginning in XX/XX/2021, I had fraudulent charges on my account. Capital One found the charges were fraud and adjusted the charges after canceling my card. What they did not adjust was the minimum payment. They are forcing me to make a minimum payment based off the interest of the fraudulent charges. Due XX/XX/2021 was a minimum payment of {$400.00}. Based off advice from their account manager, I paid {$220.00} which is what the minimum payment should have been. She told me the next bill would even out. It did not. Due XX/XX/XXXX was {$480.00}. I paid {$200.00} ( the appropriate minimum payment for MY charges ). Now due on XX/XX/XXXX, the minimum payment due is {$540.00}. I have called numerous times and told they are working on it, but they never do. They just keep tacking on the portion of the minimum payment I didnt pay to the next months bill. The problem is, my minimum payment should never have been that high to begin with. They based the minimum payment off the fraudulent charges they reversed. They told me once a minimum payment is calculated, they cant change it - but they put in a ticket for higher management to do it. Nothing is being done. This is reflecting as late payments and they keep charging me late fees. I am still paying my minimum payments, but Im paying what they would be had i not had fraudulent charges figured in. I just want my minimum payments to reflect what they should be - not based off almost {$10000.00} in fraudulent charges. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: NY

Complaint narrative:
Received letter from Attorney XXXX XXXX XXXX stating that a lawsuit has been filed. XXXX XXXX Index XXXX. 

I have not received anything about this. I called the County Court and was told that an incomplete summons was filed. This was apparently filed by Zwicker debt buyer attorneys. I have never received any information regarding anything from this Zwicker at all. Their website is extremely frightening and confusing to the consumer filled with legal terms that the average consumer does not understand. Hence, I am contacting CFPB for help. 
I have been paying americian express on my fixed income. Why am I being threatened by a lawsuit when I have been paying? I do not understand. I am a senior citizen on a fixed income and am doing my best. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a request to dispute items on my credit report and investigation has taken longer than 30 days, for both companies, XXXX and Experian.

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: DC

Complaint narrative:
I had a bank account with Simple Bank which was under the parent company of BBVA USA. I had good luck with Simple for years but it was recently closed by BBVA prior to XXXX acquiring BBVA. This acquisition has been a total disaster for those with Simple accounts. During the transition from Simple to BBVA Simple account holders were unable to access their accounts for multiple days. After that was fixed, Simple account owners ( now BBVA account holders ) were unable to transfer money out of their accounts to external banks and that continues to be the issue. The acquisition of BBVA to XXXX has been completed, but BBVA account holders are in a weird limbo where the only way they will allow us to close our accounts is if we get a notarized letter and fax it to some random fax number with all of our personal and banking information ( unclear if there's any sort of security around this, they said there was but could not elaborate ) and wait 2-3 weeks for a cashiers check. I have also been told that I can transfer {$5000.00} per MONTH out of the bank, but that there will be a fee anywhere between $ XXXX {$50.00} dollars. This bank is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CO

Complaint narrative:
Notified by credit monitoring company that I had a collection item negatively affecting my score. The collection record was placed by Helvey and Assoc for XXXX XXXX of Ohio. The debt was for the final gas bill as the house was sold XX/XX/2020. I had notified XXXX of my forwarding address via phone call, also filed a change of address with the post office. Additionally, XXXX sent their billing confirmations to my email address. 
And yet, I received no notification of an outstanding balance. 
Helvey refuses to remove the collection record even though I paid the debt the day it was reported to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: GA

Complaint narrative:
Lexis Nexis is in violation of my consumer rights. Lexis Nexis has taken information from the PACER system and sold that information to other reporting agencies.

Lexis Nexis is in violation of FDCPA 15 U.S code 1692 a Abusive invasion of an individual privacy It is a federal offense to sell personal information of any consumer for monetary or any purposes for the matter.

Lexis Nexis is in violation of 15 U.S code 1692 d ( 1 ) Any bad debt furnished on my report is ruining my reputation and defamation of character.

I will provide proof in an attachment letter directly from the US Bankruptcy court stating they do not furnish bankruptcy on consumer reports because it's against the law.

Lexis Nexis is in violation of 15 U.S code 1681 b Permissible purposes of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave Lexis Nexis any written consent to report anything on my consumer report, No consent is identity theft. A copy of the law is above. 

Concerning the account listed below as a consumer, I'm demanding the deletion of this account from all reporting agencies. 

US Bankruptcy I have demanding this information be deleted from my private consumer report numerous of time. No one other than myself can verify accurate information according to the consumer federal laws.

Lastly, Lexis Nexis has continued to violate my consumer rights and they are also in violation of 18 U.S code 1028 A Aggravated identity theft ( a ) offenses ( 1 ) In general Whoever,, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfers, possesses, or, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Each violation carries a fine of {$1000.00} and a possible imprisonment of 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: NV

Complaint narrative:
There are three accounts that do not belong to me, and or are in clear violation of the fair credit reporting act. Reason : Date of Last Activity are different between bureaus ; 040 Account involved in litigation. 
105 Disputes Dates of Last Payment/Opened/ of First Delinquency/Billing/Closed. 
106 Disputes present/previous Account Status/Payment History Profile/Payment. 

I have been doing extensive research on the FCRA laws and clearly these three creditors are in violation of these laws. I kindly ask that you remove them from my credit profile, as these companies are at risk of me filing for civil actions in court. Please remove them immediately.

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 2021-06-11 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: NV

Complaint narrative:
There are three accounts that do not belong to me, and or are in clear violation of the fair credit reporting act. Reason : Date of Last Activity are different between bureaus ; 040 Account involved in litigation. 
105 Disputes Dates of Last Payment/Opened/ of First Delinquency/Billing/Closed. 
106 Disputes present/previous Account Status/Payment History Profile/Payment. 

I have been doing extensive research on the FCRA laws and clearly these three creditors are in violation of these laws. I kindly ask that you remove them from my credit profile, as these companies are at risk of me filing for civil actions in court. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: MO

Complaint narrative:
This is XXXX XXXX and i am trying to figure out how this company Lexis Nexis is able to violate my right to privacy by sharing private information to companies like XXXX, XXXX  and XXXX. I contacted the courts and they stated that they don't report my information to any third parties. So how are they able to report it? I DID NOT GIVE THEM PERMISSION TO REPORT THIS. They are in violation of united states code 15 sec 1681 ( a ) ( 4 ) and they are causing me stress and hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent Transunion 3 dispute letters in the months of XXXX, XXXX, and XXXX the response i received was that they investigated but showed no proof. In these disputes i sent the copy 's of payments and letters from company 's in question. 

XXXX XXXX - Account # XXXX has been on the deferment program since XX/XX/2020 since before covid-19 started. My payments should show paid and not negative which is hurting my life. 

Also i have sent copy of my continued on time payments of XXXX  XXXX - Account # XXXX, they have neither up dated the on time payments or removed negative payment history or removed accounts all together since they are not accurate.

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 2021-06-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I made a payment to my credit of {$350.00} during this phone call the agent offered me a due date change from the XXXX to the XXXX which would give more time in my cycle to pay the bill. I asked if my balance would report on the XXXX of XXXX the representative advised that yes it would report however she failed to advise me that the new cycle would change the reporting date to the XXXX of the month on XX/XX/2021 I contacted XXXX XXXX  again in reference to the reporting I spoke with 2 reps they both advised me because I had great payment history my payments post immediately and my account would report at XXXX On XX/XX/2021 I received not only an alert from Experian that my score had dropped 21 points but ALSO my lender to tell me that I can not close on my newly built home because my FICO 2 also dropped to XXXX I immediately contacted XXXX XXXX and they escalated to several managers I had been speaking with a manager by the name of XXXX who advised me to make yet another payment of {$500.00} and she would do a courtesy correction to the report on XX/XX/XXXX I advised there should be no courtesy as if I was advised correctly we would not be having this conversation I spoke with another rep who advised that whenever they offer a due date change they have to disclose the cycle changing and if the cycle is soon they have to advise this information Here it is day 5 and no resolutions from XXXX  each agent says something totally different I am unable to speak with upper manager or the credit reporting department to file a formal complaint I am due to close on home I have a sales contract if needed and I can not close on XX/XX/2021 because of 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 non-monetary relief
Consumer complaint received 2021-06-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
A few months ago I Filed a dispute with Equifax and XXXX  pertaining to invalid and inaccurate personal information being furnished onto my consumer report. This information was not authorized by myself being the consumer and the only individual able to confirm the information. All bureaus responded that the information was verified with ( Creditors ) the furnishers of MY personal information. Title 15 U.S Code 1681 a ( e ) states that to verify information there must be an investigation of my consumer report. This requires an interview of neighbors, friends, or associates of the consumer. It does not state the information can be verified with the furnisher of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
they keep calling say i owe these debt when i know nothing about i just want them to stop calling me and my credit score fix XXXX {$620.00} XXXX {$390.00} XXXX {$770.00} XXXX {$840.00} XXXX {$950.00} XXXX {$840.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: NY

Complaint narrative:
Netspend new accounts ask for two forms of ID ( government ID and utility bill ) be sent to an email and there is also a phone prompter questions to verify a new identity AND the document does not say anything about verifying your social security number nor does it ask for any of this. Sending these documents to a system we believe is outsourced where there can be identity theft problems in other countries. They have refused to grant me my verification so I called them to get my {$10.00} released and they said I can just spend the money on the card and later close the account. They have blocked my online transfer facility after they told me that I could facilitate that if I got a new card and that advice was wrong. I have sent back to them a screenshot of the initial online form where it requests these two forms of verification for who I am - and not a verification of my social security. After all, it's a prepaid card and they are not giving me any credit. The email that they are giving out to use has the wrong address they told me at customer service. 
Mail Delivery System XXXX is what you receive but the email is to Documents XXXX, and thy have a mail delivery problem. This is no way to send out personal documents.

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation